“Nationwide is proud to continue its history of innovation in the annuity industry alongside our product development partner, Annexus, and our investment partner, Capital Group, the world’s largest global active investment manager. After delivering the first registered-index linked annuity (RILA) offering strategies linked to an actively managed fund, we’re excited to build on that momentum within our FIAs,” said Stacy LaiFook, vice president of Nationwide Annuity Business Development. “This expansion brings financial professionals and their clients new opportunities for growth potential within a risk-managed solution that offers 100% principal protection from market losses.”  

American Funds 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. Growth Fund of America distinguishes itself through Capital Group’s distinct multi-manager system, with a team of 12 portfolio managers averaging 26 years of experience.

Enhancements include two additional indices
Additionally, two more indexes are being added to the Nationwide New Heights Select suite: the S&P 500^® Distance Stabilizer Index³ and the GS American Funds^® GFA 15% Index.

• The S&P 500 Distance Stabilizer Index – developed in collaboration with Société Générale – 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 GS American Funds^® GFA 15% Index is based on the performance of The Growth Fund of America and applies a dynamic risk-adjustment overlay capping volatility at a level of 15%. An intraday trading strategy is designed to respond more quickly to changes in market volatility.

"Over 12 years of partnership with Nationwide, we have consistently pushed the boundaries to deliver more consumer value in Nationwide New Heights Select FIAs," said Ron Shurts, CEO and Co-Founder of Annexus. "These enhancements — including our continued collaborations with industry leaders Capital Group, Goldman Sachs, and S&P Dow Jones Indices — reflect our commitment to delivering first-to-market innovation and meaningful outcomes for advisors and their clients."

Additionally, Nationwide recently increased the compound, annual roll-up rate on the Nationwide High Point 365 Select Lifetime Income rider with Bonus from 9.5% to 10%⁴. With this change, Nationwide New Heights Select 8, 9, and 12 now offer the highest level of guaranteed lifetime income since their inception.

Financial professionals interested in Nationwide New Heights Select FIAs should contact their Nationwide wholesaler or Annexus-affiliated independent distribution company. Individual investors interested in learning more about the benefits of New Heights Select should contact their financial professional or visit www.nationwidenewheights.com. 

¹ American Funds Growth Fund of America – Class F-3 is not a market index. It is a mutual fund, and its index value reflects the mutual fund’s total return. If a mutual fund-linked index strategy is selected for investment, you will not be investing in the linked mutual fund. You will not be a shareholder or beneficial owner of the fund, and you will have no rights with respect to the fund.
² Based on research conducted on 8/14/2026 from Wink.
³ S&P 500 Distance Stabilizer TCA Index (USD) ER
⁴ 10% compound annual roll-up rate available on Nationwide New Heights Select 8, 9 and 12.

The agreement extends to potential solutions. The same three proposals were ranked as the most popular approaches to strengthening Social Security among both Democrats and Republicans:

1. Increase taxes on higher earners to increase funding: 51% overall, including 56% of Democrats and 43% of Republicans
2. Increase funding through taxes paid by employers: 42% overall, including 44% of Democrats and 42% of Republicans
3. Reduce or eliminate benefits for individuals with incomes above a certain threshold: 38% overall, including 38% of Democrats and 37% of Republicans 
    

Americans expect action, but few are ready for it
More than three in five Americans (61%) believe the government is likely to make changes before Social Security benefits are reduced. Social Security is also becoming a major consideration at the ballot box, with 75% saying a candidate’s position on reform will be a major factor in how they vote in future elections.

Yet the expectation that changes are coming has not translated into clear financial plans: just 20% know how they would adjust their finances if benefits were reduced. This might be because Americans underestimate how soon the program could face funding constraints. On average, respondents believe depletion is 17 years away – in reality, the fund is projected to run out by the fourth quarter of 2032, according to the 2026 Social Security Trustees Report.

Among Americans without a clear financial plan, 45% say an announcement of specific government changes would prompt them to act. Waiting for that certainty, however, may leave households with less time to adjust their savings, retirement date or income strategy.

“Americans may agree that Social Security needs to change, but they can't afford to wait for what those changes could mean for their own retirement before they prepare,” said Kevin Jestice, president of Nationwide Retirement Solutions. “It’s impossible to know how lawmakers may act, but scenario planning can give people more time and flexibility to adjust their savings, income strategy and claiming decisions.”

Current beneficiaries are already making difficult tradeoffs
Future benefit reductions would compound pressures many Social Security recipients are already facing. Among current beneficiaries, 74% say they have changed their finances because rising living costs have outpaced their benefits.

The most common changes include cutting discretionary spending, such as travel or dining out (51%), reducing spending on essentials, including groceries and medications (38%), and relying more heavily on savings or retirement accounts (25%).

That financial strain, combined with widespread uncertainty about Social Security’s future, is pushing some Americans to make decisions based more on fear than on a full understanding of the long-term tradeoffs. For example, 51% of Americans say they have filed or plan to file for Social Security as early as possible to ensure they receive something before the program changes or runs short of funds. In most cases, though, filing before full retirement age generally results in a permanently lower monthly benefit, which can have lasting consequences for retirement income.

Financial professionals can help prepare Americans for different outcomes
That is where informed guidance from a financial professional can make a meaningful difference. Survey respondents who work with a financial professional were nearly four times as likely to have a clear plan for reduced Social Security benefits – 39% compared with 10% of those who do not.

Americans are also looking for help with the complexities surrounding Social Security. Nearly eight in 10 (79%) are interested in learning from a financial professional about how their benefits will be taxed in retirement.

“Decisions about when to claim Social Security can affect a person’s income for the rest of retirement, so they should not be driven by fear or headlines alone,” Jestice said. “A financial professional can help individuals assess filing age, taxes, income sources such as their employer sponsored retirement plan savings, and possible benefit changes within the context of their broader retirement plan.”

Nationwide offers a variety of resources to help. The full 2026 SurveyResults can help financial professionals focus client conversations where it matters most. Additional resources to support planning conversations can be found at Nationwide.com/SimplifySocialSecurity. View an infographic on this new data or a recent blog from Kevin Jestice. 

Methodology
The 2026 Social Security survey was conducted online in the U.S. by The Harris Poll on behalf of Nationwide among 1,823 adults age 18+ who currently receive or expect to receive Social Security (“national sample”), including 300 Gen Z (age 18-29), 512 Millennials (age 30-45), 511 Gen Xers (age 46-61), and 500 Boomers+ (age 62+) and an additional oversample of 60–65-year-olds (n=464) The survey was conducted May 11-June 4, 2026.

Data for the generations and 60–65-year-olds 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 18-29, Millennials 30-45, Gen Xers 46-61, and Boomers+ 62+) and then combined into a total age 18+ group and 30+ group to preserve trending.

To preserve trending data for the 50+ are weighted separately where necessary by age by gender, race/ethnicity, region, education, household income, retirement status, and political affiliation to bring them in line with their actual proportions in the population. Respondents for this survey were selected from among those who have 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 for 60-65 is accurate to within ± 6.11 percentage points, the sample data for 50+ is accurate to within ± 4.32 percentage points, the sample data for 18+ is accurate to within ± 2.34 percentage points, the sample data for 30+ is accurate to within ± 2.56 percentage points all 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.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S. tracking public opinion, motivations and social sentiment since 1963 and is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building a twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

Milo is devoted to his family and loves playing in the snow. However, during a Christmas Day trip to the mountains, a sudden noise startled Milo as he was getting into the family’s car. He bolted up a cross-country ski trail and disappeared.

His family chased after him, but Milo was gone, lost in the wilderness for 72 days until his microchip was pinged at a shelter. He was incredibly thin but otherwise unscathed. After spending four days in the vet hospital receiving expert care, he was able to return home to his family, who call it a miracle.

“The joy of being reunited with a beloved pet after weeks of uncertainty is hard to put into words. Milo's journey reflects the determination of his family, his own incredible resilience, and the importance of getting pets the care they need when the unexpected happens. Stories like his are exactly what the Hambone Awards were created to celebrate,” said Emily Tincher, Chief Veterinary Officer at Nationwide.

Nationwide hosted a public vote from August 3-14, 2026 to determine the most unusual pet insurance claim story and two runners-up from a group of nine finalists. More than 11,000 votes were cast. Milo received the Hambone Award trophy and a Petco gift card, and the runners up will also receive Petco gift cards. The runners-up were:

• Henry, a Labrador retriever from Colorado who’s obsessed with fetch, chased a ball into his yard, stepped on a rake and punctured his paw. His parent contacted Nationwide’s VetHelpline for guidance, and now, Henry is healed and back to chasing tennis balls.
• Hobbes, a domestic shorthair cat from Arizona, slipped past his owner and dashed under a garage just as it was closing. He made it past the safety sensors but not the garage door itself. When his owner found him trapped, Hobbes was rushed for treatment and was soon back in action.

The Hambone Award was named after a Nationwide-insured dog who got stuck in a refrigerator and ate an entire holiday ham. Later, the dog was found with a mild case of hypothermia and the hambone, all that remained of his feast. You can click here to read the stories of the complete list of 2026 Hambone Award nominees.

All nominated pets have recovered and received reimbursements for eligible veterinary expenses from Nationwide^® pet insurance.

To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.com.

One survived weeks alone in the wilderness. Others couldn't resist bingeing on cake, medications and even a drum. Though their stories were vastly different, all nine furry finalists for Nationwide^® pet insurance’s Hambone Award^® share one thing in common: a full recovery.

Voting for the 18^th annual Hambone Award, recognizing the year’s most unusual pet insurance claim is underway now through Aug. 14, 2026, at petinsurance.com/hamboneaward. The winner will be announced Aug. 19, 2026.  

The Hambone Award was originally named after a Nationwide-insured dog who got stuck in a refrigerator and ate an entire holiday ham while waiting to be discovered. The dog was eventually found, with a licked-clean ham bone and a mild case of hypothermia. He made a full recovery and inspired this award, which highlights the unusual situations pets can get into and how pet insurance can help.

Meet the 2026 Hambone Award finalists

• Capone, a Bernedoodle from California, found a baseball in the garage and decided to make it a chew toy. After shredding the ball and swallowing the cover, his pet parents sought guidance from Nationwide’s VetHelpline^® before Capone received treatment and made a full recovery.
• Diesel and Matilda, beagles from Arizona, followed their noses straight to trouble when they snuck into the pantry and devoured nearly an entire two-tier red velvet cake. Their sweet tooth quickly led to concern, but both dogs ultimately made full recoveries.
• Hampden, a goldendoodle from Texas, made his frustration over a delayed dinner known by tearing apart a vintage Ugandan drum and eating the drum skin. Veterinarians later removed half a drum from his stomach, and Hampden made a full recovery.
• Henry, a fetch-obsessed Labrador retriever from Colorado, chased a ball into a yard cleanup area and impaled his paw on a rake prong. After his pet parent contacted Nationwide’s VetHelpline for guidance, Henry received care and is back to chasing tennis balls.
• Hobbes, a domestic shorthair cat from Arizona, slipped past his owner and dashed into the garage just as the door was closing. He made it past the safety sensors but not the garage door itself. When his owner found him trapped, Hobbes was rushed for treatment and was soon back in action.
• Lilliya and Noelle, borzois from Wisconsin, teamed up for a prescription-powered misadventure after opening a drawer and helping themselves to an entire bottle of their beef liver-flavored pet prescription. After consuming all 14 tablets, the duo required immediate treatment but ultimately made full recoveries.
• Lulu, a mixed-breed dog from Illinois, was keeping watch for squirrels from her favorite chaise lounge when she slipped and landed on a metal candle holder, which pierced into her leg. After receiving stitches and pain medication, Lulu returned to squirrel duty.
• Milo Bear, a golden retriever from Nevada, disappeared into the snowy wilderness near Lake Tahoe after being startled during a Christmas Day outing. Following an extraordinary search and 72 days on his own, Milo's microchip was scanned at a shelter and he was reunited with his family after receiving care.
• Rolly, a standard poodle from Florida, turned his passion for chasing iguanas into a much bigger problem when he decided to eat a dead one. The unusual meal left him seriously ill, but Rolly made a full recovery.

All nominated pets have made full recoveries and received reimbursements for eligible veterinary expenses from Nationwide pet insurance. For full stories, photos of the nominees, and to cast your vote daily between August 3-14, 2026, visit petinsurance.com/hamboneaward.

“Though these stories begin with unexpected pet mishaps, the Hambone Award celebrates what happens next: the extraordinary bond between people and pets, and the compassionate care that helps turn close calls into recoveries” said  Dr. Emily Tincher, Chief Veterinary Officer for Nationwide. “We’re proud that Nationwide could provide financial peace of mind during a stressful time, helping families focus on what matters most: their pets’ recovery.”

The nominee with the most votes will receive the coveted Hambone Award trophy and a Petco gift card, while two runners-up will also receive Petco gift cards.

To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.com.

• While three quarters of non-retired investors are concerned about a recession, a growing number are planning to take advantage of investment opportunities now
• This mix of action and anxiety creates risk for three in ten non-retired investors who do not have a strategy in place to protect against market volatility
• Advisors are leaning into protection solutions to balance clients’ growth and risk management needs

COLUMBUS, Ohio – Inflation and market volatility have created one of the most complex financial environments in recent memory, causing more than three in four (77%) non-retired investors to be concerned about a U.S. economic recession over the next 12 months. However, recent data from the Nationwide Retirement Institute reveals that rather than retreating, a growing number of Americans are leaning in.

The study shows a notable shift from caution to action, with investor activity at some of the highest levels tracked across the study. One in three (33%) non-retired investors say they will change their retirement savings approach over the next 12 months by planning to take advantage of investment opportunities now, up from 21% in the summer of 2024. More than one in five (22%) say they plan to manage their investments more aggressively, up from 16% in 2024.

The data also shows an emerging sense of stabilization in retirement planning, even as concerns remain elevated. Just 15% of non-retired investors say they plan to retire later than planned, down from a peak of 22% in 2024. The number of investors who don't know if they will ever be able to retire (11%) is down from a high of 16% in 2024.

"Investment markets reached all-time highs this summer in the face of elevated volatility, reflecting a shift in how investors are interpreting uncertainty. Rather than viewing volatility as a signal to step aside, many may be viewing it as an opportunity to be offensive versus the historic instinct to turn defensive,” said Mark Hackett, chief market strategist for Nationwide’s Investment Management Group. “We're seeing them use these periods of volatility to rebalance, diversify and position themselves for future growth, recognizing that participation, not timing, is often the key driver of long-term outcomes.”

Many Investors Still Lack a Plan
Even as investors show increased confidence and a growing willingness to take action in a volatile environment, many still do not have formal strategies in place to protect their retirement savings.

Nearly three in ten (29%) non-retired investors say they do not currently have a strategy in place to protect their assets against market risk, and one in ten (10%) non-retired investors say they are not sure if they do, pointing to a need for clearer and more frequent conversations between advisors and clients about what is actually in place.

Advisors are leaning into protection solutions
Advisors who say they have a market risk protection strategy in place for their clients are evolving their use of retirement solutions in line with the current environment. Six in ten (60%) advisors say the events of the last 12 months have made them more likely to recommend a guaranteed income solution as part of a client’s portfolio. Use of registered index-linked annuities (RILAs) among advisors with a market risk protection strategy has grown from 39% in the summer of 2023 to 52% in 2026, a 13 percentage-point increase over three years.

Data suggests that advisor momentum toward guaranteed income solutions is meeting a receptive audience with clients. More than half (57%) of non-retired investors say recent events have made them more likely to put part of their portfolio in an annuity or other guaranteed income solution.

Advisors are also tracking a number of potential threats to clients’ long-term plans. Nearly a quarter (24%) say the cost of healthcare is among the most immediate challenges to their clients' retirement portfolios. They’re also tracking systemic risks to the programs and policies clients have long planned around. More than half (55%) of advisors say they believe Social Security or Medicare funding will be reduced, with 40% specifically citing Social Security solvency as a concern. Additionally, nearly three in five (58%) advisors expect the future tax burden for clients to increase. 

"Advisors can play a critical role in helping clients balance growth and protection by building strategies that don't force an either-or decision," said Brad Carrier, vice president of Nationwide Annuity Distribution. "Through asset allocation, diversification and the use of solutions like annuities that incorporate downside protection, advisors can help clients stay invested during periods of volatility while managing the emotional and financial risks that sometimes lead to hasty decisions."

For more insights on this survey data, see our infographic.

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.

Nationwide's Retirement Institute survey, formerly known as the Nationwide Advisor Authority survey, explores critical issues confronting advisors, financial professionals and individual investors, and the innovative techniques that they need to succeed in today's complex market.

About Nationwide Retirement Institute Survey: Methodology
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 528 Advisors and Financial Professionals and 2,012 investors ages 18+ with investable assets (IA) of $10K+, from January 15-February 6, 2026. Among the investors, there were 1,411 non-retired investors and 691 retired investors.

Respondents for this survey were selected from among those who have 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 for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.9 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

The investment marks another milestone in Nationwide’s centennial year and reflects the company’s continued belief in the future of Columbus and one of its most iconic franchises.

“As we celebrate Nationwide’s 100th anniversary, we are focused not only on where we’ve been, but where we’re going,” said Nationwide CEO Kirt Walker. “The Crew and its fans represent the passion and strong connection to the Central Ohio community that Nationwide has enjoyed for more than a century. Now is the right time for us to deepen our investment in the team and the city’s future.”

The announcement comes nearly two months after the Haslam Sports Group, the Edwards family and Nationwide helped bring the 18th National Women’s Soccer League franchise to Columbus.

“Nationwide is a cornerstone institution that’s consistently shown an exceptional commitment to Columbus. Kirt Walker and Nationwide leadership share our vision for the Crew and Columbus NWSL 2028 of consistently competing on the pitch, creating incredible fan experiences and serving as leaders in our local community,” said Haslam Sports Group CEO and Chairman, Managing Partners Dee and Jimmy Haslam. “We’re proud to strengthen our long-term partnership and collective dedication to advancing soccer in Central Ohio for both our men’s and women’s clubs.”

Nationwide will partner with Haslam Sports Group and the Edwards family to support the continued success and long-term growth of the franchise. No other details of the deal will be released.

Visit Nationwide.com for more information about the company and ColumbusCrew.com for the latest on club news.

According to Nationwide Retirement Institute’s 2026 Long-Term Care survey, Americans are more likely to say they would be concerned about not having someone to advocate for them if they were facing LTC needs alone (84%) than they are to worry about affording care itself if they were living alone (71%). They are similarly concerned about not having help coordinating care (81%) and receiving lower-quality care (81%) if they were living alone.

The findings suggest that many Americans are starting to view long-term care as more than a financial consideration, shaped by questions about caregiving, advocacy, and who will help navigate difficult healthcare decisions later in life.

“Americans are realizing that long-term care planning is about far more than finances,” said Holly Snyder, president of Nationwide’s life insurance business. “People want to age with dignity, maintain their independence and know someone they trust will be there to help make decisions on their behalf. The challenge is that many families haven’t had those conversations or made those plans.”

Most Americans envision receiving care in familiar surroundings rather than in a facility. Nearly three-quarters (73%) said they would prefer to receive LTC in their own home or a loved one’s home, and many expect to rely on their partner (50%) or children (40%) to provide care.

But few have taken steps to make that preference a reality. Among those who prefer to receive care at home:

• Just 37% have created a savings or investment plan to cover LTC expenses
• Only 27% have identified who their future caregivers may be
• Less than one quarter (22%) have modified their homes to support aging in place.

The disconnect highlights a growing gap between how Americans want to age and how prepared they are to do so.

Caregiving Changes How Americans Think About Their Own Futures

For many Americans, the realities of long-term care only become clear after stepping into the role of caregiver themselves. Caregivers report spending an average of 22 hours each week providing care – the equivalent of a part-time job – and an average of $382 per month in non-reimbursed expenses, including transportation, prescriptions and household needs. Among primary decision-makers for LTC, those expenses rise to $445 per month.

The financial pressure is especially intense among Millennials, many of whom are simultaneously supporting children, aging parents, and their own career ambitions.

Among Millennial caregivers:

• Nearly three-quarters (73%) said they are willing to take a loan from their retirement account to provide care for a family member
• Near six in 10 (59%) believe caregiving responsibilities will likely use up money originally intended for their children (e.g., education, inheritance)
• Almost the same amount (58%) fear caregiving expenses will keep them from ever retiring

The silver lining? Caregiving often becomes a wake-up call that motivates Americans to prepare for their own future care needs. Caregivers are significantly more likely than non-caregivers to say they are knowledgeable about LTC (82% vs. 59%), have identified their future caregivers (34% vs. 20%), and have created a savings or investment plan for future care costs (40% vs. 31%).

Financial Advisors Can Help Families Turn Anxiety Into Action

Among those who have served as caregivers, 90% say it would have been valuable to discuss who would provide long-term care before a need arises, while 92% say clear conversations about how to pay for care would have helped.

Yet despite recognizing the importance of planning, many Americans are still delaying conversations about caregiving responsibilities, care preferences and future care costs. As a result, families often find themselves making complex financial and healthcare decisions during a crisis rather than preparing for them in advance.

One factor that helps families move from awareness to action is working with a financial advisor. The survey found that people who work with an advisor are more knowledgeable about LTC compared to those without an advisor (84% vs. 62%). They are also more likely to have already identified future caregivers (39% vs. 18%) and discussed care costs with family members (72% vs. 51%).

“Too often, families wait until a health event or caregiving crisis forces these conversations,” Snyder said. “Having a plan in place can help people protect their finances, reduce stress on loved ones and create more confidence about how they want to age and receive care. Whether that means preparing financially, documenting care preferences or identifying who can step in as an advocate, taking action earlier can make a meaningful difference for families navigating LTC decisions.”

To learn more about the 2026 Nationwide Retirement Institute Long-term Care survey, visit nationwide.com/SimplifyLTC and click here to read Snyder’s blog.

Methodology

The research was conducted online in the United States by The Harris Poll on behalf of Nationwide among 1,208 adults aged 30+ who were the primary or shared financial decision-makers for their household. Respondents also had a household income of $75K+. The survey was conducted April 11-29, 2026.

Data are weighted where necessary by age by gender, race/ethnicity, region, education, marital status, household size, household income, and political party affiliation to bring them in line with their actual proportions in the population.

Respondents for this survey were selected from among those who have 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 ± 3.9 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.

About The Harris Poll

The Harris Poll is one of the longest running surveys in the U.S. tracking public opinion, motivations and social sentiment since 1963 and is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas; building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

“This agreement represents a tremendous opportunity to put our strong capital position to work and grow our life insurance business, which was designated the third largest writer of life insurance in 2025,” said Kirt Walker, CEO of Nationwide. "Bringing together two strong brands allows us to protect more Americans with life insurance.”

MassMutual will continue to administer these policies and remain the point of contact for policyowners.

“This deal marks a continued step forward for our life insurance business, which has established itself as a strong and stable industry leader with a deep portfolio of protection solutions,” said Craig Hawley, president of Nationwide Financial. 

Sidley Austin LLP served as Nationwide's legal counsel on the transaction.

Nearly all (95%) women investors with advisors agree their advisor treats them with the same respect as male investors, including over two-thirds (68%) who strongly agree. Even so, there is room for advisors to grow when it comes to how that respect shows up in everyday conversations. Three in 10 (29%) women investors with advisors say their advisor sometimes ‘mansplains’ concepts to them in a way they don’t always appreciate.

Women investors are not questioning whether their advisor cares. Rather, they are signaling where there is an opportunity to communicate better. About one in three (34%) women investors say they find their advisor condescending when explaining recommendations or responding to questions. About the same amount (32%) say their advisor assumes they know less about finances than they actually do.

“I believe advisors have the best intentions when they are trying to break down financial topics with their women clients, however it’s important to recognize that what may be intended as a helpful explanation can land as dismissive or condescending,” said Suzanne Ricklin, senior vice president of Nationwide Retirement Solutions Distribution. “Our survey makes it clear many women investors don’t want to be talked at, they want to engage in a discussion and have a conversation around their needs. Advisors should ask thoughtful questions to get to the root of their client's needs, do the research to be well-versed in the unique issues women are facing and listen to understand each client's unique goals and perspectives. When advisors shift their emphasis from explaining to asking questions and listening to what is most important to their women clients, they can build stronger relationships and more aligned goals.”

Women investors seek education amid uneasy macro outlook
The need for financial guidance feels as urgent as ever for women investors. Navigating a distinct set of financial pressures, many are looking ahead with a mix of determination and unease, and with a clear appetite for support.

That unease is grounded in real economic and retirement worries. A clear majority (77%) of women investors are concerned about a U.S. economic recession. Only four in 10 (39%) non-retired women investors say they are on track to retire about the same time as they previously planned, while more than one in 10 (14%) don’t know if they’ll ever be able to retire.

What women investors do know is what kind of help they are looking for. Their preferences point to a consistent theme: they want to be active participants in their financial planning, not passive recipients of advice:

• More than two in five (44%) women investors prefer to fully understand their options before making decisions.
• 34% of women investors prefer to work with a financial professional to guide their financial planning.
• 21% of women investors seek out educational resources to help them understand financial strategies.

“Women told us they want clarity and context. Advisors can put that into action by taking time to fully lay out options and inviting questions during conversations,” Ricklin said. “By encouraging open dialogue about what is important to them, you’ll ensure your women clients’ priorities are being heard and addressed.”

Women advisors are leading the way with tailored service
Women advisors are approaching women clients differently than their male peers. When taken together, nearly all (99%) women advisors indicate they have taken specific actions to better serve women clients, including:

• Nearly half (47%) of women advisors have developed strategies specifically for women going through major life transitions, compared to just 34% of men advisors.
• More than two in five (43%) women advisors have increased their focus on protection and guaranteed income solutions, compared to just 35% of men advisors.
• A similar share (44%) of women advisors have studied the unique retirement challenges women face (e.g., longevity, caregiving, wage gaps), compared to just 38% of men advisors.
• More than a third (36%) of women advisors have completed training or education on financial planning for women, compared to just 29% of men advisors.
• Two in five (40%) women advisors have sought feedback from women clients on how they can better serve them, compared to just 35% of men advisors.

Across each of these key measures, women advisors are more likely to have taken the specific steps that women investors say matter most. Male advisors looking to strengthen their relationships with women clients may benefit from incorporating the best practices of their women colleagues.

“Our survey found that many women advisors are structuring conversations around personalization and intentionality, taking the time to understand their client’s retirement goals and aspirations. That approach builds trust and makes financial planning feel empowering rather than transactional,” Ricklin said. “Male advisors can increase their success with women investors by evolving their approach throughout the client engagement process, incorporating additional questions and discussion opportunities for their women clients.”

While some advisors may overestimate their skill set, others lean into opportunities
Advisors feel confident they recognize the needs of their women clients. More than nine in 10 (91%) advisors rate themselves as skilled at meeting the specific needs and expectations of women clients, and a similar share (95%) say they have already taken specific actions to better meet those needs.

Despite near-universal confidence in their own abilities, fewer than four in 10 advisors (37%) say they actually understand their women clients' financial and retirement goals. Only 38% say they understand the impact of the unique financial challenges women face, such as longer lifespans, caregiving responsibilities and wage gaps. 

In practice, just one in four advisors (25%) say they have received formal training on the unique financial challenges women face, pointing to a meaningful disconnect between self-assessed skill and professional development. This suggests that for many advisors, confidence has outpaced preparation.

Still, a significant number of advisors recognize the opportunity and are taking steps to close the gap. Four in 10 (40%) say they prioritize building a human connection and demonstrating genuine care with their women clients, and an equal share (40%) say they take time to educate their women clients on financial strategies and ensure they truly understand their options. Another 26% say they actively adjust their communication style to avoid being condescending.

“Women are controlling more wealth, yet many still feel underserved by the industry – exposing a critical opportunity for advisors,” Ricklin said. “By creating a more inclusive, collaborative experience that prioritizes listening, education and partnership, advisors can build trust with their women clients, encouraging them to stick around for the long-term, refer others and ultimately grow their practice. A great way for advisors to ensure they are hitting the mark is to ask for direct feedback from women clients about their communication preferences and what approaches they find most helpful in their decisioning.

Ricklin offers this advice to women investors trying to find a good financial advisor: “There is no substitute for a great referral. Ask your friends and family about the experience they have had working with their advisors. That may be the best indication that a particular advisor would be a good fit and can help with your specific needs.”

For more insights on this survey data, see our infographic.

Nationwide’s Retirement Institute^® survey, formerly known as the Nationwide Advisor Authority survey, explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

Nationwide Retirement Institute Survey Methodology
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 528 advisors and financial professionals and 2,012 investors ages 18+ with investable assets (IA) of $10K+, January 15-February 6, 2026. Among the investors, there were 882 women investors and 421 women investors working with a financial professional. Among the advisors, there were 119 women advisors.

Respondents for this survey were selected from among those who have 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 for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.98 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

Dan Schurr was elected to fill the vacancy created by Zellers’ retirement.  Schurr previously served as the board chair of CHS, Inc., the largest cooperative business in the United States. 

Zellers was elected to the Nationwide board in 2007 and has served as board chair since 2020. During his tenure, he provided steady, mission-driven leadership focused on Nationwide’s long-term strength, its mutual heritage and its commitment to its members. He helped guide the company and the board through a period of record growth, capital fortification and strategic evolution, ensuring Nationwide remained financially strong and well-positioned to serve its customers and communities.  

“Jeff has been an exceptional leader and steward of Nationwide,” said Nationwide Chief Executive Officer Kirt Walker. “He brought a thoughtful, principled approach to the role of board chair, modernized our governance practices and consistently challenged us to lean into new opportunities as a modern mutual. Jeff’s guidance and collaborative leadership have had a lasting impact on our organization, and I am grateful for his service and partnership.” 

Toelle is owner of T & T Farms, a diversified farming company based in Browns Valley, Minn. He has served on the Nationwide board since 2013 and brings deep experience in finance, governance and business planning – qualities that will advance Nationwide’s mission to protect people, businesses and futures with extraordinary care. 

“We congratulate Michael on his election as board chair,” said Walker. “He understands what it means to serve members for the long term, and his board expertise, industry perspective and dedicated leadership will be invaluable as Nationwide continues to evolve.” 

Later this year, Toelle will be one of five 2026 inductees into the Cooperative Hall of Fame. Established in 1974 by the National Cooperative Business Association and administered by the Cooperative Development Foundation, the Cooperative Hall of Fame is the highest honor that the U.S. cooperative community bestows on extraordinary individuals who have made “genuinely heroic contributions” in support of cooperatives. 

In addition to his service on the Nationwide board, Toelle is a board member of CF Industries Holdings, Inc., Grey Eagle Pork and CIBO, and a member of the National Association of Corporate Directors and World 50.  

He is a former board chair and long-time board member of CHS, Inc., and past chair of the CHS Foundation. He was a board member of Cenex, Inc., prior to its merger with Harvest States Cooperatives to form CHS in 1998, and he served as chair of the governance unification committee during the merger. He also served as governance committee chair, corporate responsibility committee chair, and as a member of the audit and capital committees.  

Toelle has also served as a director of the Agricultural Council of America and Country Partners Cooperative. 

Toelle earned his bachelor’s degree in administration and industrial technology at Minnesota State Moorhead. 

• Angel City FC - Savy King (Savy King of Hearts)  

• Bay FC - Hannah Bebar (Bay Area Women's Sports Initiative (BAWSI))  

• Boston Legacy FC - Fauzia Najjemba (Soccer Without Borders Massachusetts)  

• Chicago Stars FC - Katie Atkinson (Ann & Robert H. Lurie Children's Hospital - Center for Cancer and Blood Disorders)  

• Denver Summit FC - Carson Pickett (Hand Camp Colorado)  

• Gotham FC - Tierna Davidson (Girls Leadership)  

• Houston Dash - Kiki Van Zanten (Communities in Schools (CIS) of Houston)  

• Kansas City Current - Izzy Rodriguez (EarlystART)  

• North Carolina Courage - Cameron Brooks (The Bair Foundation)  

• Orlando Pride - Zara Chavoshi (Habitat for Humanity Seminole-Apopka)  

• Portland Thorns FC - Bella Bixby (Friend of Trees)  

• Racing Louisville FC - Jordyn Bloomer (Dare to Care)  

• San Diego Wave FC - Nya Harrison (Monarch School)  

• Seattle Reign FC - Cassie Miller (Nick of Time)  

• Utah Royals FC - Aria Nagai (Asian Association of Utah)  

• Washington Spirit - Leicy Santos (Leicy Santos Foundation)  

Of the 16 Club nominees, one will be announced as the winner as part of the 2026 NWSL Awards, presented by AT&T, during Championship week. At that time, Nationwide will make a $50,000 donation to the charitable organization of the winner’s choice.  

The Lauren Holiday Impact Award, presented by Nationwide, was introduced in 2024 to honor the two-time NWSL Champion and Olympic gold medalist, FIFA Women’s World Cup champion, National Soccer Hall of Fame inductee, and recipient of the Muhammad Ali Sports Humanitarian ESPY Award Lauren Holiday. It spotlights players who exemplify dedication and commitment to giving back in service of their local communities. Holiday retired from the NWSL in 2015 following a career during which she won back-to-back championships, was named the 2013 NWSL MVP and awarded the Golden Boot and was named the 2014 NWSL Championship MVP.  

"It is an honor each year to showcase a group of women who are dedicated to impacting the game and the communities which they are connected to,” said Lauren Holiday. “They continue to redefine the standards on athletes using their platforms to give back and see change.”  

“Nationwide is thrilled to partner with the NWSL to sponsor this award, and we are committed to elevating players who make meaningful impact in their communities,” said Ann Bair, Executive Vice President and Chief Marketing Officer at Nationwide.  

The winner will be determined by a panel of judges that will include Lauren Holiday, NWSL Commissioner Jessica Berman, and representatives from Nationwide, NWSLPA, and Media Association.  

“Few things connect people like sports, and the NWSL is honored to support athletes who use their platforms to strengthen communities and rally others around meaningful causes,” said NWSL Chief Commercial Officer Brian Kelly. “The nominees for this year’s Lauren Holiday Impact Award reflect the league at its finest – demonstrating excellence in competition while making a real difference beyond the game.”  

Over the course of the season, each club will recognize its nominee and local community partner during a match. To honor their impact, a $5,000 donation will be made to the chosen nonprofit organization in each market.  

For more information on the Lauren Holiday Impact Award program, click here.  

About NWSL  
The National Women’s Soccer League is the premier women’s professional soccer league in the world featuring national team players from around the globe. The clubs are Angel City FC, Bay FC, Boston Legacy FC, Chicago Stars FC, Denver Summit FC, Gotham FC, Houston Dash, Kansas City Current, North Carolina Courage, NWSL Atlanta, Orlando Pride, Portland Thorns FC, Racing Louisville FC, San Diego Wave FC, Seattle Reign FC, Utah Royals FC, and Washington Spirit.  

Six in 10 (60%) Millennials (age 30-45) with financial professionals say they would welcome their advisor facilitating financial planning conversations among family members, compared to just 32% of Gen X (age 46-61) and only 16% of Baby Boomers and older (62+) who feel the same. Nearly half of Baby Boomers and older (46%) say they prefer to keep these conversations private, compared to just 10% of Millennials.

The stakes behind this divide are significant. Among Baby Boomers, 64% are actively transferring or planning to transfer wealth in the future, including 15% who are doing so right now. At the same time, this group continues to age, making the need for family alignment around their wishes and needs an issue that could be more urgent than some recognize. Notably, less than a quarter of Gen X and Baby Boomer investors (22% and 24%, respectively) have discussed with their next of kin how they can be prepared to help manage their finances when they become unable to do so.

“For many retirees, it can seem like everything is under control – until things change, which can happen fast,” said Juan José Pérez, senior vice president of Strategic Customer Solutions for Nationwide. “That’s when you need loved ones to not only understand the plan but also be ready to play their part. Older generations have an opportunity to help their family understand their wishes for the future and be better prepared to step in and help when the time comes. While private family conversations are a good place to start, a family meeting with an advisor at the table can accelerate a family’s ability to ensure a smooth, efficient and dignified transition.”

Half of investors are talking finances, while half put it off
When it comes to private conversations (without an advisor), investors are split on discussing finances as a family, with many not doing so at all. More than half (53%) of investors say they have had conversations with relatives (e.g., adult children or aging parents) about how they are planning for financial security in retirement in the past 12 months. Yet nearly half (47%) have not had these conversations — including 17% who say they don't think they’re necessary.

That reluctance is most pronounced among older generations. More than a quarter of Baby Boomers (27%) say it's not necessary: compared to just 8% of Gen Z, 12% of Millennials, and 14% of Gen X. Gen Z, by contrast, is the most likely to be planning ahead: 32% say they plan to have the conversation but haven't yet.

For older investors who do have conversations with family members, key priorities emerge:

• Half of Baby Boomers and older investors (50%) have shared their wishes for end-of-life care with their family.
• More than four in 10 of all Gen X and older investors (42%) have discussed access to their financial accounts, including 34% of Gen X and 47% of Baby Boomers and older investors.
• Nearly four in 10 (39%) of all Gen X and older investors have shared plans for passing on assets.

"When an older adult you’ve depended on your whole life for wisdom and stability suddenly becomes unable to manage their finances or care for themselves, it can feel like an instant crisis for many families,” Perez said. “It doesn’t have to be that way. Intergenerational conversations can help create a shared roadmap for how a family can come together to follow through on their loved one’s wishes if and when the time comes to do so.”

Advisors are ready to facilitate difficult conversations
Confident in their ability to navigate sensitive family dynamics, advisors are supporting families through difficult financial conversations. Nine in ten (90%) advisors say they currently facilitate conversations between aging clients and their adult children about retirement planning, healthcare costs, or financial security, including 43% who say it's a standard part of their practice. Most (91%) advisors say they are confident in their ability to facilitate sensitive family conversations with their clients.

Advisors are evolving their practices for a multi-generational approach
With most Baby Boomers having crossed the retirement threshold, nearly one in five advisors (17%) say their biggest concern about the long-term sustainability of their practice is client demographics, attracting new clients as older clients approach the end of their lives.

Advisors are taking deliberate action to better serve younger clients. Among advisors who work with clients under 45, the top approach to adapting their practice to serve across generations is focusing on retaining the family of existing clients via relationship building (27%). Additionally, a quarter of advisors (25%) say they are expanding their service offerings to be more holistic, rather than focusing on an investment-only approach.

“One of the biggest opportunities for advisors isn’t finding the next client – it’s deepening relationships with the families they already serve. It’s great to see advisors recognizing this and making it a focus. Advisors who intentionally bring family members into financial conversations, offer education around wealth transfer and stay present during major life events are far more likely to preserve trust and maintain continuity across generations, growing their practice as a result.”

Perez offered these tips to help families structure financial planning conversations with or without an advisor:

1. Start with wishes: Talk first about what matters most: End-of-life wishes, health and long-term care preferences, funeral plans, legacy goals, and how individuals want decisions made if they can no longer speak for themselves.
2. Make a plan for “if I need help:” Older parents should explain where key information lives — bank accounts, insurance policies, passwords, advisor contact information, legal documents, monthly bills, and emergency contacts — so adult children can step in quickly if needed. Agree on who would help, when they would step in, and what authority they would need.
3. Get the legal basics in place early: A conversation about money should include whether important documents are in place, including a will, power of attorney, healthcare power of attorney and any beneficiary designations. The goal is to reduce confusion, family stress, and delays later.
4. Share lessons learned across generations: Older savers can pass on the habits that helped them most — sharing tips related to living within their means, saving consistently, avoiding unnecessary debt, planning for emergencies, and thinking long term. Adult children can also highlight the financial challenges they may be facing. Parents are likely to have great advice or lessons learned that can benefit their younger loved ones today.
5. Make it an ongoing conversation, not a one-time event: The best family money talks are honest, respectful, and repeated over time. End the discussion with clear next steps: what documents to gather, what decisions need follow-up, and when to check in again.

For more insights on this survey data, see our infographic.

Nationwide’s eleventh annual Advisor Authority study, powered by the Nationwide Retirement Institute® explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

About Advisor Authority: Methodology 
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 528 advisors and financial professionals and 2,012 investors ages 18+ with investable assets (IA) of $10K+, January 15-February 6, 2026. Among the investors, there were 1,041 with a financial professional, 179 Gen Z (age 18-29), 605 Millennials (age 30-45), 482 Gen X (age 46-61), and 746 Baby Boomers and older (age 62+).

Respondents for this survey were selected from among those who have 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 for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.98 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

Taking home the title of Wackiest Pet Name of 2026 are*: 

• Top Dog: Internet Browser, a Plott hound from San Antonio, Texas
• Top Cat: Cheddar Big Booty Cheeseburger, a longhair feline with maximum flavor from Benton, Arkansas
• Top Exotic Pet: Space Cowboy, a bearded dragon living life on his own terms from Fuquay-Varina, North Carolina 

Each year, Nationwide pet insurance team recognizes the most bold and unforgettable names among its roster of newly enrolled pets. The top 10 wackiest dogs, cats, and exotic pet names were put to a public vote that ran April 13-17 with a record 200,000+ votes counted. 

The pet’s families will celebrate their wins with a professional photo shoot with their pet and a gift card to create a custom pet portrait.  

Below are links to the names and profiles of the other nominees.

Nationwide’s Wacky Pet Names campaign highlights the real families behind every funny name and why they choose Nationwide to protect their pets.   

It’s a wacky world out there. Be ready for the unexpected with protection from Nationwide pet insurance. To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit petinsurance.com. 

 *These are actual pet names chosen by actual owners, reflecting their pets' unique personalities and the owner's interests and passions. No connection or relationship to the inspiration is implied.  

“Nationwide was born in Columbus, and we’ve grown up together over the last 100 years,” said Kirt Walker, Nationwide chief executive officer. “As we prepared to celebrate our centennial, we knew we wanted to do something big to give back to the city that has given us so much. Supporting a new professional women’s sports franchise in Central Ohio was a unique opportunity we just had to embrace.”

The new club is expected to begin play in the 2028 NWSL season at ScottsMiracle-Gro Field in Columbus’ Arena District, sharing a world-class, soccer-specific stadium and fan experience with the Columbus Crew. The project includes a new, women-specific training facility and stadium enhancements including new locker rooms designed for and used by NWSL teams.

“When young athletes in Central Ohio can see women competing at the highest level in their own backyard and see the investment, facilities and visibility match what they see in the men’s game, it sends a powerful message about what’s possible. We’re proud to stand alongside Haslam Sports Group and the Edwards family to help make that a reality in Columbus,” Walker added.

Nationwide has been the exclusive insurance partner of the NWSL since 2021. Through the league partnership, Nationwide and the NWSL have:

• Established the Lauren Holiday Impact Award in 2024, recognizing the active NWSL player who exemplifies exceptional service, leadership and character in their community.
• Created Experience Nationwide, a paid, immersive and hands-on learning program that provides NWSL players with professional development and business experience to help prepare for careers beyond the pitch.
• Expanded local club relationships so that Nationwide now partners with most NWSL teams, deepening ties in local communities and with fans across the country.

Columbus has emerged as a national hub for women’s sports, hosting marquee events and driving significant sports-related economic activity for the region. The addition of an NWSL club will build on that momentum, generating new economic activity and providing another pathway for girls and young women inspired by the global growth of soccer.

“This club is also a celebration of the Columbus Way – public and private partners, businesses and civic leaders and passionate fans all coming together to do something big for our community,” Walker said. “We are grateful to the leaders across the city, county and region whose support helped make this possible. Together, we’re not just adding another team, we’re strengthening the foundation for economic growth and opportunity in Central Ohio.”

Nationwide’s mutual structure allows the company to take a long-term view and invest beyond its core businesses, especially in the communities it calls home. The new club is expected to bring more visitors downtown, support local businesses, create opportunities for neighbors and associates, and help keep the Arena District vibrant year-round. It represents another way Nationwide delivers value for its members while continuing to serve as a long-term community builder in Columbus.

The new NWSL club adds to a broader portfolio of sports relationships for Nationwide that includes sponsorships in the NFL, NWSL, MLS, PGA TOUR and NHL. 

The ClearAccess tool, a technology-driven, artificial intelligence-powered platform that helps employees navigate medical care and save on hospital visits, will be available with the Self-Funded Program through Nationwide. Powered by ClearHealth Strategies, Goodbill and BillingNav, the tool will allow members to quickly search for symptoms of an illness or condition, offer them a list of providers in their area and supply an expected breakdown of costs for services. Other features include:

• Online provider search and booking options to schedule office visits, any time
• Automatic screening for additional discounts
• Transparent provider summaries that show anticipated costs
• Expert support to navigate their plan

“This solution provides our customers with cutting-edge member navigation to help them effectively search for care options and eliminate unexpected costs,” said Casey Lanto, head of Nationwide Group Benefits Product and Operations. “Navigating a health plan and the healthcare system can be confusing. Packaging the ClearAccess tool with Nationwide’s Self-Funded Program means members are getting a clearer, more affordable care experience.”

Nationwide’s Self-Funded Program is for employers with 2 to 500 employees, offering an integrated solution that makes it easier to self-fund health benefits while providing employees access to the high-quality coverage they need and deserve.  

“Employers are told to choose between lower costs and a good member experience. We don’t think that’s true,” said Patrick Haig, co-founder and CEO of Goodbill, one of the companies powering ClearAccess. “When you help members find high-quality but affordable care, costs come down for everyone. Partnering with Nationwide lets us bring that to employers through a brand they already trust.”

Brokers or employers who are interested in learning more about the Self-Funded Program through Nationwide can call 1-877-877-0245 or visit Nationwide.com.

About ClearAccess
ClearAccess brings together provider search, real-time cost and quality data, federally mandated discounts, and No Surprises Act support into a single plan and member experience – powered by ClearHealth Strategies, Goodbill and BillingNav.

This year’s finalists reflect how pet naming has evolved into a creative outlet inspired by humor, pop culture, wordplay and even academic flair. Names range from Statistically Significant, a domestic shorthair cat whose name suggests serious analytical skills, to Quillie Nelson, a hedgehog clearly channeling a music legend’s energy. This year’s list showcases imagination across dogs, cats and a range of exotic pets including a pigeon, bearded dragon and rabbit.  

This year’s naming trends fall into a few standout categories:  

• Pop culture wordplay: Obi-Wan Cornobi (corn snake), Howl Capone (dachshund), Brave Little Toaster (shorthair cat)
• Food-inspired fun: Cheddar Big Booty Cheeseburger (longhair cat), Dinonugget (maltipoo), Orange Julius Ceasar Salad (shorthair cat)
• Chaos energy: General Chaos (mixed breed dog), Mochi The Captain Of Chaos (conure parrot), Bad Kitty 5000 (shorthair cat)
• Clever and brainy names: Statistically Significant (shorthair cat), Internet Browser (plott hound), Lucipurr Meowzebub The Lord Of Cats (shorthair cat)
• Formally ridiculous titles: Sergeant Major (SGM) Booplesnoot (rabbit), Aries Amethyst World Eater (boxer), Goofus McDoof Business Horse (shorthair cat) 

Support your favorite dog, cat, and exotic pet name by voting daily for each category.   

Here are the 2026 Wacky Pet Names finalists:  
(Click on their name to go to the pet's profile page to vote, if voting button doesn't appear, please clear your browser history and refresh the page)

While the contest celebrates humor and imagination, Nationwide reminds pet parents that protecting their pets’ health is a serious consideration. Pet insurance offers reimbursement on eligible veterinary expenses for accidents, illness and more so pet families can focus on care and worry less about cost. 

For more information about protecting pets of all shapes, sizes and names, visit petinsurance.com. 

The pets with the most votes in each category will each receive a professional photo shoot with their pet and a gift card to create a custom pet portrait.   

See Official Rules—Wacky Pet Names  

*These are actual pet names chosen by actual owners, reflecting their pets' unique personalities and the owner's interests and passions. No connection or relationship to the inspiration is implied. 

Nationwide’s 2025 financial performance strengthened the enterprise’s position as a modern mutual built for long-term stability, disciplined growth and customer value, driven by robust performances from both its financial services and property & casualty businesses. At the same time, as one of the nation’s largest, most diversified insurance and financial services companies, Nationwide paid more than $20.2 billion in claims and benefits to its members.

“Years like 2025 demonstrate the power of our modern mutual approach, which takes a long‑term view while staying relentlessly focused on delivering for customers today and into the future,” said Kirt Walker, Nationwide Chief Executive Officer. “Our diverse portfolio, strong capital position and iconic brand allow us to grow with intention, navigate volatility and remain strong and stable for those who rely on us.”

Strong Foundations for Future Growth

Nationwide recorded $73.2 billion in total sales and premiums for 2025, up 7% from 2024’s $68.5 billion sales record. Much of the growth reflects an extension of sales through institutional partners, along with an expansion of Nationwide’s portfolio through strategic transactions, said Nationwide Chief Financial Officer Tim Frommeyer. The company’s key measurement of profitability, net operating income, surpassed $4.29 billion, up from $3.13 billion in 2024. Total adjusted capital rose to its highest level ever, $32.8 billion, well above what’s required for a AAA-level rating, providing a strong foundation that will benefit customers well into the future.

“Our capital position reflects strong performance and disciplined use of capital across our business portfolio,” Frommeyer said. “All of our business lines delivered strong earnings, driving further diversification across our portfolio and fueling significant benefit to our capital position. Our performance rests on the foundation of Property & Casualty’s world-class underwriting capabilities, and the sophisticated risk management and consistent, disciplined performance of Nationwide Financial.”

Despite a year marked by severe wildfires and convective storms across the industry, Nationwide Property & Casualty delivered favorable underwriting results through disciplined execution. While financial markets experienced volatility early in the year, Nationwide Financial accelerated growth across its portfolio of businesses, notching its highest levels of sales and earnings. Nationwide Financial is a top 10 writer across its portfolio of income and protection solutions.

2025 Highlights

• Becoming a leader in employer stop loss insurance – Nationwide acquired Allstate Benefits’ group health business in July 2025, expanding its ability to offer self-funded and stop loss solutions to small and mid-sized employers. Stop loss insurance protects employers who self-fund their health insurance plans from excess losses.
• Protecting customers with “predict and prevent” solutions – In 2025, P&C elevated how its claims, actuarial, product and distribution teams work together so insights move quickly through the business, enabling more “predict and prevent” risk management, stronger underwriting discipline and proactive protection for members.
• Innovating products to meet evolving needs – Nationwide Financial expanded its suite of hybrid long-term care solutions with CareMatters^® Annuity, a customer-centric solution that combines guaranteed tax-deferred earnings with flexible long-term care benefits. The business also introduced RetireAssist^SM, a new retirement plan suite for the small market 401(k)/403(b) space.
• Bringing technology solutions to home and commercial members – Programs that detect and alert policyholders before small problems become major losses were expanded for home and commercial members, supporting Nationwide’s “predict and prevent” risk management strategy. Nationwide’s commercial and agribusiness units now provide solutions that include continuous motor vehicle record monitoring, equipment tracking and cyber safety tools, while technology like Ting electrical system monitoring and LeakBot water leak detectors are protecting Nationwide home policy members.
• Sharpening the customer experience – Reflecting Nationwide’s vision to be the most trusted, most caring and most customer focused protection company, Nationwide’s deep commitment to customer experience and relationships helped drive 2025 growth, improving customer satisfaction scores across the businesses and enabling 12 Nationwide Financial partners to each sell $1 billion or more in Nationwide Financial products.
• Investing in the future – Continuing its history as an industry innovator and leader, Nationwide announced a $1.5 billion technology investment through 2028, with $100 million annually dedicated to advancing AI. This commitment will enhance customer experiences, strengthen risk management and efficiency and support long-term, sustainable growth.
• Serving communities –
  • The Nationwide Foundation—the 501(c)(3) private foundation to which Nationwide is the primary donor—contributed more than $41 million to nonprofit organizations.
  • Nationwide Mutual company and employees donated an additional $13.7 million to nonprofit organizations.
  • Company employees logged nearly 73,000 hours of volunteer time across the country.

Nationwide’s next 100 years       

As Nationwide celebrates its 100^th anniversary in 2026, Walker emphasized that the decisions being made today are laying the groundwork for a protection company that will serve its members for another century.

“Our centennial marks more than a milestone, it’s a foundation for the next chapter of Nationwide’s growth,” Walker said. “Thanks to the dedication of our employees and partners, we are well positioned to protect people, businesses and futures with extraordinary care for generations to come.”

Walker noted that Nationwide employees are helping to celebrate its centennial in 2026 by giving 100,000 hours of volunteer service.

Additional information about Nationwide’s business results and community impact can be found in Nationwide’s 2025 Annual Report. 

"Nationwide’s strength and stability have always been at the core of who we are. This acquisition allows us to build on that foundation by enhancing our Surety and Fidelity offerings and delivering even more value to our agents and customers,” said Nationwide CEO Kirt Walker. “We’re excited to welcome the customers and employees of Main Street America into the Nationwide family and continue our shared commitment to service and reliability." 

The acquisition expands the company’s commitment to businesses and contractors who rely on a strong risk management partner to serve their customers. Nationwide’s financial strength and long-standing stability provide agents and policyholders with confidence in the company’s ability to deliver on its promises. And, the addition of Main Street America’s capabilities and employees enhances Nationwide’s Surety and Fidelity offerings, creating new opportunities for growth and innovation. 

"Main Street America has a strong reputation for partnering with agents to deliver pragmatic risk management solutions, which aligns with Nationwide’s approach,” said Candy Embray, MSA President. “Together, we are working to ensure a seamless transition for our valued agency partners.” 

Russ Johnston, President of Commercial Lines, Excess & Surplus, Specialty at Nationwide added, “Our surety business continues to be an area of strategic growth for us. Agents can expect the same level of service and stability they’ve come to trust, now backed by Nationwide’s scale, resources and financial strength. Together, we’re creating a stronger, more comprehensive offering for the marketplace."  

As privately held companies, Nationwide and MSA are not disclosing terms of the deal. 

Built for clients seeking both security and meaningful accumulation potential, the new IUL solution builds on Nationwide’s commitment to low-cost, transparent IUL solutions while introducing new features that help offer clients greater control and flexibility.

Nationwide Indexed UL Accumulator III offers a wide range of indexed interest strategies designed to help offer clients broader diversification opportunities. The latest enhancements include the addition of the Nasdaq-100^® Index interest strategies, new 2-year term segment options, and access to 6 Uncapped indexed interest strategies. The remaining index options include the S&P 500^® Index, a Multi-Index Blend, and the BNP Paribas Global H-Factor^® Index. A fixed interest strategy with a guaranteed minimum rate is also available. 

To support clients during the crucial first year of their policy, Nationwide IUL Accumulator III offers an 8% Enhanced DCA rate. Clients can allocate their initial premium to the fixed interest strategy, where they earn an enhanced crediting rate for a full 12 months before being gradually moved into indexed strategies. This approach helps smooth market timing risk while giving policyowners a powerful early boost in cash value, an especially valuable feature for long-term accumulation.

Nationwide’s Performance Lock is an optional feature that lets policyowners “lock in” gains once their selected target is reached. When triggered, Performance Lock preserves index value for the remainder of the segment, even if markets decline. This feature is designed to provide consistency and an added layer of predictability for clients who want growth opportunities without the worry of losing gains before the segment ends. Performance Lock is available on all uncapped index strategies, further enhancing control and transparency.

“Our goal with IUL Accumulator III is to bring customers a modern, accumulation-focused solution that makes long-term planning more intuitive,” said Arny Martin, associate vice president, Life Product Management at Nationwide. “The combination of our 8% Enhanced DCA and Performance Lock gives people new tools to pursue growth and protect gains—especially valuable in an environment where markets can shift quickly.”

Additional product highlights include:

• Guaranteed Nationwide IUL Rewards Program
• Cash indemnity long-term care rider
• Living access benefit riders—Chronic, Critical, and Terminal Illness
• New Adjusted Premium Charge Rider
• New Guaranteed Interest Accumulated Value feature for added protection

To learn more about our newest offering, visit: Nationwide.com/IULAccum3

The study found Americans are bracing for a higher tax burden in retirement, yet most are not engaging in proactive, year-round tax planning to mitigate their exposure. Four in five (80%) investors broadly expect taxes to rise in the future, yet less than one-third (31%) of this cohort are proactively adjusting their financial plan accordingly.

Additionally, 17% of investors say not knowing the best tax strategies for their portfolio or understanding tax implications (14%) before retirement withdrawals are among their biggest concerns when planning for retirement.

"Our study highlights that for most investors, tax anxiety is real – however, their plan to address it is lacking,” said Kush Kotecha, president of Nationwide Annuity. “A majority of investors are telling us they're concerned about rising taxes, but only a fraction are taking steps to prepare their portfolios. That gap between worry and action is where real financial risk can build."

For many investors, tax planning starts and ends with tax season
Despite widespread concern about taxes, most investors are not engaging in proactive, year-round tax planning. More than one-third (34%) say they mostly pay attention to taxes during "tax season," and only one in four (26%) engage in ongoing, proactive tax management all year.

Among investors who work with a financial advisor, 29% say they count on their advisor to help them plan for taxes in retirement. However, just 37% of these investors say their advisor proactively discusses tax planning strategies or tax policy changes as part of regular review meetings. More than one in 10 (11%) say discussions happen only when major tax law changes occur or when they specifically ask about tax matters (11%). For most investors, this means tax planning only comes up when something forces the conversation.

“Advisors should make taxes a part of regular client discussions,” Kotecha said. “Investors with an advisor who are not receiving regular guidance on this important topic should ask for it or consider looking for a financial professional who will help them prioritize tax-efficient retirement planning.”

Tax strategies are not one-size-fits-all, but some investors are flying blind
Less than half (44%) of investors surveyed say their portfolio is a combination of taxable, tax-deferred, and tax-free assets – likely indicating good tax diversification. Others surveyed indicated heavier reliance on a single taxable class of assets. A meaningful share of investors (13%) don’t know how to describe their portfolio’s tax composition.

“It's not surprising to find investor portfolios come in all shapes and sizes when it comes to tax exposure, and it's important to recognize that there is no 'one-size-fits-all' approach," said Kotecha. "However, those without awareness of their portfolio’s tax profile or a strategy for managing the mix of taxable asset classes in their portfolio risk missed opportunities or unforced errors that could haunt them in retirement. Personalized, advisor-led planning is essential to help investors understand how their unique mix of assets will be taxed, both now and in retirement."

Advisors say they are helping clients take action
While nearly half (45%) of advisors say their clients have a risky mix of taxable asset classes, the vast majority (85%) say they're working with their clients to help them diversify their tax profile within their portfolio.

With taxes expected to rise, advisors are also increasingly steering clients toward tax-efficient income solutions. More than half (60%) of advisors say given the events of the last 12 months, they are more likely to recommend a client put part of their portfolio into an annuity or other solution that provides guaranteed income.

"Advisors are recognizing that annuities can be a powerful tool when it comes to reshaping the tax profile of a portfolio. By allowing assets to grow tax-deferred, annuities can help reduce the drag of taxes on long-term returns and create a more efficient income strategy in retirement," said Kotecha. "That efficiency matters for retirees who need predictable income and want more control over how and when they pay taxes. In an environment where every dollar of after-tax income counts, annuities can offer a sense of stability and security that's increasingly hard to find."

The Nationwide Retirement Institute offers this guide to help investors think about planning for a tax-efficient retirement.

For more insights on this survey data, see our infographic.

Nationwide’s eleventh annual Advisor Authority study, powered by the Nationwide Retirement Institute^® explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

About Advisor Authority: Methodology
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 528 advisors and financial professionals and 2,012 investors ages 18+ with investable assets (IA) of $10K+, January 15-February 6, 2026. Among the investors, there were 1,041 with a financial professional, 971 without a financial professional, 300 High Net Worth (IA of $1M-$4.99M), and 504 Less Affluent ($10K to <$100K).

Respondents for this survey were selected from among those who have 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 for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.98 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com. 

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

“Each year these findings remind us just how much our pets’ health is shaped by ongoing, chronic conditions,” said Dr. Emily Tincher, chief veterinary officer at Nationwide. “While not every illness can be prevented, early recognition and proactive management can improve outcomes. Our goal is to equip pet families, and the veterinary teams who partner with them, with insights that help support better long-term care.” 

Canine Trends: Allergies top the list again and chronic issues dominate the top 10 

• Skin allergies rank #1 again, for the 15^th year running.
• No movement in the top 9 conditions, signaling persistent, widespread health patterns among U.S. canines
• Seizures enter the top 10 for the first time but are very closely followed by kidney disease and cranial cruciate ligament tears.
• Chronic conditions make up 6 of the top 10 and may require long-lasting care and follow families for years, underscoring the importance of ongoing care and budgeting. 

Feline trends: Digestive issues lead the pack again with chronic conditions climbing

• For the third consecutive year, digestive issues stay firmly in the top spot.
• The top six conditions remain unchanged from last year, showing consistent health patterns across the feline population.
• A striking 7 out of 10 conditions for cats are chronic, meaning long-term costs can far exceed a single visit.
• The bottom half of the list sees some reshuffling among inflammatory bowel disease (#7 in 2024), diabetes (#8 in 2024), and respiratory infection (#9 in 2024).

Resources for Veterinary Teams
While many of these conditions cannot be prevented, early detection, client education, and species or breed-specific risk awareness improve outcomes. Nationwide Pet HealthZone^® is a free, publicly accessible resource with clinical insights and risk profiles for more than 100 dog breeds and 11 cat breeds , designed to support both pet families and the veterinary team guiding the care.

With Nationwide pet health insurance, many veterinary expenses associated with the diagnosis and treatment of these common conditions are eligible for reimbursement based on the pet family’s chosen coverage. It’s important to obtain coverage before your pet begins experiencing any symptoms because pre-existing conditions are excluded. To explore options visit petinsurance.com.  

¹These numbers were calculated by analyzing the 80^th percentile of costs Nationwide pet insurance policyholders reported January 1 - December 31, 2025 within the first 30 days after diagnosis for a given condition. 
²These numbers were calculated by analyzing the 80^th percentile of costs Nationwide pet insurance policyholders reported January 1 - December 31, 2025 within the first year after diagnosis for a given condition. 

About Nationwide pet insurance
With more than 1 million actively insured pets, Nationwide is the first and one of the largest providers of pet insurance in the United States. Nationwide pet insurance plans cover dogs, cats, birds and exotic pets for multiple medical problems and conditions relating to accidents, illnesses and injuries. Medical plans are available in all 50 states and the District of Columbia. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Pet owners can find Nationwide pet insurance on Instagram. For more information about Nationwide pet insurance, call 800-USA-PETS (800-872-7387) or visit petinsurance.com.

“Farmers today face disruption risks that are more complex and unpredictable than ever before,” said Devin Fuhrman, Nationwide’s Chief Agriculture and Sponsor Relations Officer. “The new Farm Risk Ready tools and resources are designed to help farmers move from a wait-and-see approach to a predict and prevent mindset. By understanding emerging risks and building an actionable plan, farmers can strengthen their operations and position themselves for long-term success.”

The Need for Proactive Risk Management
The research conducted by Nationwide shows that farmers feel moderately prepared to manage disruption risks with readiness scores averaging at just five out of 10 (10 being completely prepared), highlighting the need to strengthen business resiliency across the industry. Farmers without resiliency plans tend to take a wait-and-see approach, with nearly half (47%) believing that if risk happens, they can address it at that time.

“Farmers have traditionally viewed risks in buckets like production and marketing,” said Fuhrman. “While we typically think of farm risk as resulting in some form of physical loss, it can also take the form of a reputational or market access loss.”

Today’s risks extend far beyond the field. Regulatory changes, geopolitical tensions, disease outbreaks, market access challenges and supply chain disruptions have all surged. Creating resilience — the ability to anticipate, absorb, adapt, and recover from shocks quickly and effectively — is no longer optional. It’s essential for surviving the unexpected.

Introducing Farm Risk Ready
Many farmers who lack a formal resiliency or risk management plan cite limited knowledge about how to build a strong response strategy, with 31% saying they don’t know how or where to get help and 16% pointing to lack of time as key barriers. To address this gap and help farmers better prepare for future risk, Nationwide developed the Farm Risk Ready initiative, which provides tools and resources for identifying vulnerable areas and developing actionable plans tailored to individual operations.

Farm Risk Ready provides:

• An interactive risk assessment to gauge current preparedness and pinpoint areas for improvement.
• A plan builder to help farmers create a tailored Farm Risk Ready Plan for their operation.
• Learning materials and online resources that make risk planning approachable and practical.
• Future hands-on workshops that will provide expert guidance and peer learning to help farmers build and refine their plans.

As agriculture continues to evolve, so must the strategies farmers use to protect their businesses. Farm Risk Ready is designed to meet farmers where they are with practical support that fits into a farm’s day-to-day activities.

“While it may be impossible to identify or plan for every future risk, creating a plan helps you prepare, minimize potential business disruptions and protect your bottom line,” said Fuhrman.

Get Started Today
Farmers can start building a Farm Risk Ready Plan today at nationwide.com/farmriskready. With just a few clicks, farmers can take the first step toward building a stronger, more resilient future.

The companies, who have been partners since 2019, will now offer dental and vision products underwritten by Nationwide in 34 states, giving employers more ways to support their most important asset: their employees.   

Through its partnership with Nationwide, Beam has historically offered a wide range of products – including dental, vision, life, accidental death and dismemberment (AD&D), accident, hospital indemnity and critical illness. This expansion specifically broadens the reach of dental and vision offerings – quadrupling the number of states where these benefits will be available.

“We’re excited to enter into this expanded partnership with Beam Benefits, providing more businesses with the tools they need to increase employee satisfaction, build loyalty and protect their employees,” said Syed Rizvi, vice president of Nationwide Specialty Insurance. “Beam’s future-forward technology, self-service tools and exceptional customer service ensure brokers and employers have a seamless experience.”

Beam’s offerings include an end-to-end benefits platform designed for ease of use by brokers, employers and employees alike:

• Fast, customized quoting: Beam’s digital quoting tool allows brokers and employers to generate customized quotes¹ for any group size in seconds, helping them move quickly from evaluation to decision without delays.
• Quick and easy policy setup: Once a policy is selected, Beam streamlines implementation so brokers and employers can get new coverage in as little as one business day² – eliminating the weeks or months typically required to put benefits in place.  
• Simplified enrollment that drives engagement: When Beam supports the enrollment process, brokers and groups see up to a 15% increase³ in employee enrollment, driven by a clear, simplified experience and white-glove service that helps employees understand and select the coverage that’s right for them.  
• Help from humans: Dedicated customer service agents support brokers, employers and employees across the full lifecycle, from quotes and enrollment to claims and ongoing support.  

“We’re excited to expand our relationship with Nationwide and bring more dental and vision solutions to employers,” said Alex Curry, senior vice president, insurance and co-founder of Beam Benefits. “This expansion strengthens our ability to support the Nationwide team while making it easier for employers to offer benefits that employees actually use and value.”

Nationwide’s venture capital team invested in Beam in 2021 as part of their Series E fundraise, helping the company expand its offerings to new markets, onboard additional employee benefits brokerages and add additional products desired by employers.

Brokers or employers who are interested in learning more about Beam Benefits can call 1-800-232-2323 or visit Nationwide.com.

¹ Use of the Digital Quoting Tool is not currently available in all states and contingent upon broker’s proper appointment and licensure. Pricing customization may vary based on plan and state specific limitations.
² Average implementation timeframe based on internal data and dependent on the submission of complete and accurate data entry and broker approval.
³ As of June 2022, compared to prior carrier’s enrollment.

Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in AL, AR, AZ, CT, DC, DE, GA, IA, ID, IL, KS, LA, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NY, NV, OH, OK, OR, SC, UT, TN, TX, WI, and WY. Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Life product is not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states. Program restrictions and exclusions apply.

Beam Benefits is not a subsidiary of Nationwide Life Insurance Company. Beam Insurance Services LLC and Beam Insurance Administrators are separate companies and not affiliated with Nationwide Life Insurance Company.

“Preventing devastating electrical fires changes everything for our members,” said Casey Kempton, President of Personal Lines at Nationwide. “By offering Ting as part of our Smart Protection Suite, we’re taking a proactive approach to fire prevention by helping members identify electrical hazards before they cause a fire and setting a new standard for home protection. For our agents Ting is a powerful, easy-to-use service offering that’s valued and trusted.” 

Ting is a smart sensor that plugs into any outlet and begins detecting electrical signals associated with fire hazards. Using advanced AI, it detects small arcs and faults, which are early warning signs of electrical fire hazards that often go unnoticed. When a hazard is found, Ting’s Fire Safety Team works directly with the homeowner to resolve the problem, including coordination with licensed electricians and paying up to $1,000 toward repairs. Beyond fire prevention, Ting also provides members with precise power outage information, as well as alerts for frozen pipe risk, to help prevent one of winter’s most disruptive and costly damages.  

Nationwide members have responded enthusiastically to the Ting fire prevention program:  

Agents can now add Ting directly to homeowner policies via the Nationwide policy center for eligible members,¹ helping more families avoid the disruption, loss, and emotional toll of home fires.  

“Nationwide continues to demonstrate incredible leadership in member safety.” said Bob Marshall, CEO of Whisker Labs. “This expansion reflects a people-first approach to prevention that protects members, empowers agents, and sets a standard for what’s possible in the industry. The ability to predict and prevent electrical fires at this scale is truly monumental, not just for insurance, but for home safety more broadly. We’re proud of this deep collaboration with Nationwide as they make prevention part of everyday protection.” 

Nationwide and Whisker Labs share a mission rooted in prevention, focused on helping members stay ahead of home risks through early detection. 

 Eligible members who enroll receive the following, at no cost: 

• A Ting sensor that plugs into any vertical outlet
• The Ting app with real-time hazard and outage alerts
• Five years of fire prevention service
• A $1,000 credit toward Ting-identified fire hazard repairs
• Frozen pipe prevention and power outage alerts  

Members can check their eligibility and enroll online.² 

About Whisker Labs 

Whisker Labs develops cutting-edge, AI-powered sensor technology that protects families, homes, and communities by predicting and preventing electrical fires while also monitoring the resiliency and safety of the U.S. electrical grid. Its flagship solution, Ting, draws on decades of electromagnetic and atmospheric sensor expertise to detect electrical faults and frozen pipe risk. While a single Ting sensor helps protect a home, the collective network of sensors monitors the grid to deliver Ting Insights, the most comprehensive source for grid reliability, safety, and resilience intelligence. Since launch, Ting has reached over one million homes and helped identify and mitigate more than 25,000 electrical fire hazards to prevent potential disasters before they occurred. As one of the fastest-growing IoT networks, Ting is proven to prevent 4 out of 5 electrical fires, reducing home fire losses and saving lives across the U.S. every day. For more information visit www.whiskerlabs.com and www.tingfire.com. 

About Nationwide

Nationwide, a Fortune 100 company based in Columbus, Ohio, is one of the largest and strongest diversified financial services and insurance organizations in the United States. Nationwide is rated A+ by Standard & Poor’s. An industry leader in driving customer-focused innovation, Nationwide provides a full range of insurance and financial services products including auto, business, homeowners, farm and life insurance; public and private sector retirement plans, annuities and mutual funds; excess & surplus, specialty and surety; and pet, motorcycle and boat insurance.  

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

Subscribe today to receive the latest news from Nationwide and follow Nationwide PR on X. 

Nationwide, Nationwide is on your side and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2026 

^{1 Available in 44 states and Washington D.C., not available in: AK, HI, LA, NY, OK, WA. 
2 Terms and Conditions apply}

Hiring has remained resilient. More than half of mid-market businesses (52%) and nearly one-third of small businesses (31%) added employees in the past year, and more than one-quarter of owners expect to hire in 2026.

Wage growth has followed a similar pattern. Over one-third of business owners (37%) increased wages in the past 12 months, and four in ten expect to raise wages again in 2026, even as margins remain tight. Looking ahead, one in five business owners (20%) say improving employee benefits is among their biggest business opportunities over the next 12 months.

For business owners worried about inflation and an uncertain environment, sustaining these investments has often meant absorbing costs personally:

• 15% of small business owners and 13% of mid-market owners reduced their retirement savings in the past year.
• 14% of small business owners and 13% of mid-market owners tapped into personal retirement funds to support their businesses in the past 12 months.
• If needed, nearly one-third of small business owners and nearly one-fifth of mid-market owners say they would choose to cut their own salary before reducing employee benefits.
• Roughly one in ten business owners canceled or delayed purchasing insurance in the past year, potentially increasing their exposure to risk.

“Rising costs are forcing tough choices, but many owners are still putting their people first,” said Kathy Bostjancic, chief economist for Nationwide. “While job growth has slowed this past year, particularly among smaller enterprises, small and mid-market business owners we surveyed are committed to their employees. Their optimism about their business and the economy in the year ahead may have some merit – we forecast a solid economic expansion in 2026 on tailwinds from looser Fed policy and provisions from last year’s fiscal stimulus package.”

How Business Owners are Positioning for the Future
Despite ongoing economic pressure, many business owners report confidence in the near-term outlook for their own companies. More than half of business owners (57%) say they are very or extremely confident their business is prepared for future risks, and large majorities rate their current financial health as “good” or “excellent.”

That confidence extends cautiously to the broader economy. More than half of business owners expect economic conditions to improve in 2026.

One way business owners are responding to economic pressures is through technology investment. Among mid-market firms in particular, AI is playing a growing role in managing costs and improving efficiency.

More than one-third of mid-market businesses (35%) invested in AI technology in the past year, and among those that did, an overwhelming majority (93%) report seeing a positive return on investment. At the same time, concerns remain: nearly two-thirds of business owners say increased use of AI presents a cybersecurity risk.

Meanwhile, small businesses are taking a more defensive approach. Owners of smaller firms are focusing on preserving cash flow by prioritizing customer retention (30%) and reducing overhead (26%), while also strengthening supplier relationships (25%). Small and mid-sized firms face similar economic pressures, but differences in their responses largely reflect differences in financial capacity.

Rising Risk, Limited Guidance
As business owners navigate economic volatility, workforce strain, rising prices, supply chain disruptions, and rapid technological change, many are not taking advantage of professional guidance to reduce risk. Just 16% of small business owners and 27% of mid-market owners met with their current financial professionals for guidance in the past year; even fewer hired a financial advisor (13% and 19%, respectively).

While financial advisors have an opportunity to engage business owners, insurance agents remain a trusted resource. Nearly two-thirds of small business owners (63%) and more than four in five mid-market owners (81%) currently work with an agent. Amid rising business risks and cost pressures, many owners say they would welcome broader conversations beyond coverage – including rising liability costs, pricing pressures, and supply chain risks.

As owners continue to protect customers and employees, early, integrated financial and insurance guidance can play a critical role in helping them balance near-term challenges with long-term goals.

More findings from Nationwide's Economic Impact survey can be found here.

Methodology
Nationwide commissioned Edelman Data & Intelligence (DXI) to conduct a nationally representative online survey with 400 U.S. small business owners and 400 mid-market business owners from November 10–December 1, 2025.

More than half (55%) of recent retirees (those retired in the last five years) say they have regrets about how they saved for retirement. More than a quarter (28%) wish they began saving earlier, and 13% wish they contributed more to their retirement savings and investments each year.

Immediate, tangible financial challenges are fueling these concerns. Just 40% of recent retirees say they're on track with their original budget and decumulation plan, and 21% say they’ve had to be more conservative with spending compared to their pre-retirement expectations. Only one in five (20%) have avoided the need to tap retirement savings by relying solely on the guaranteed income of a pension and/or Social Security, resulting in a majority who may need to lean on their self-invested retirement funds accumulated in their working years. 

“Many recent retirees told us they wish they had saved differently, highlighting a critical truth: retirement planning isn’t just about setting a number—it’s about building a strategy that anticipates life’s changes and regularly revisiting that plan as life happens,” said Kevin Jestice, president of Nationwide Retirement Solutions. “Thoughtful, comprehensive planning before retirement can make the difference between uncertainty and confidence in your future. A great way to do this is by working with a trusted financial advisor or leveraging planning resources offered through your workplace retirement plan. For those already retired, it’s not too late to take steps to enhance your retirement strategy. Reviewing your budget, exploring additional income opportunities and working with a financial advisor can help you feel more secure and in control.”   

Market Volatility Hits Recent Retirees Harder
Recent retirees are especially vulnerable to market turbulence, and those new to post-career life are facing more significant headwinds than their peers who retired more than five years ago (longer-term retirees). As a result, recent retirees are more likely to make changes to their portfolios in the early years of retirement. Half (50%) of recent retirees made at least some changes to their retirement portfolio due to market turbulence, compared to just one-third (33%) of longer-term retirees. Additionally, 15% made significant changes to their portfolio – nearly double the 8% of longer-term retirees who did the same.

The impact extends beyond portfolio adjustment and into real-world spending decisions. Nearly half (47%) of recent retirees say recent market volatility has impacted the way they approach managing their portfolio and withdrawing or spending down their savings in retirement, compared to 35% of longer-term retirees.

This market uncertainty is also driving interest in guaranteed income solutions. Thirty-six percent (36%) of recent retirees said they are more likely to put part of their portfolio in an annuity given the events of the last 12 months.

Advisors Recognize the Unique Challenges of Early Retirement
Financial professionals understand the first two years of retirement require heightened attention and strategic adjustments. Based on what they see with their own clients, top challenges for recent retirees cited by advisors include:

• Adjusting to life without a paycheck: Six in ten (60%) advisors say adjusting to not earning active income or not having a job is a challenge their recently retired clients face in their first two years of retirement.
• Managing anxiety about market volatility: More than four in ten (42%) advisors say dealing with anxiety about market volatility while living off investments is a challenge.
• Staying within budget: Four in ten (41%) advisors say maintaining their desired lifestyle within budget constraints is a challenge.

Market conditions are driving advisors to take action. The vast majority (85%) of advisors say recent market conditions caused them to recommend changes to clients' decumulation strategies, and nearly half (45%) made significant changes across most of their recent retiree clients’ decumulation strategies.

Recent Retirees Stay Highly Engaged as Advisors Refocus
Instead of a “set it and forget it” planning approach, advisors report that their recent retirees are monitoring their portfolios closely. 

More than half (56%) of advisors say their recently retired clients review their portfolio and financial plan at least monthly. Nearly one in five (19%) review continuously, with access through digital platforms and periodic advisor contact, and 16% do weekly brief check-ins during market volatility periods.

Financial professionals are adapting their approaches to meet the investment needs of their clients. Notably, 93% of advisors increased their focus on addressing healthcare costs over the last year, and 87% increased their focus on identifying guaranteed income solutions.

“The first few years of retirement are critical, and we’re encouraged to see recent retirees lean on their advisors to navigate a changing market environment. Advisors play an essential role during this period, helping retirees navigate new financial realities, manage spending and adjust strategies as their next chapter begins to unfold,” Jestice said. “Advisors can help boost confidence by reviewing or exploring guaranteed income solutions or other strategies to address longevity risk. With expert guidance, retirees can feel confident their plan supports both today’s needs and tomorrow’s possibilities.”

The Nationwide Retirement Institute offers resources to help advisors facilitate conversations with Gen X clients.

For more insights on this survey data, see our infographic.

Guarantees are subject to the claims-paying ability of the issuing insurance company.
Provisions of these options may vary based on plan selection and/or by state regulation. These investment options may not be available in all states.

Nationwide’s eleventh annual Advisor Authority study, powered by the Nationwide Retirement Institute^®, explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

About Advisor Authority: Methodology
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 510 advisors and financial professionals and 2,007 investors ages 18+ with investable assets (IA) of $10K+, August 19-September 2, 2025. Among the investors, there were 180 recent retirees (those who retired in the last five years) and 274 longer term retirees (those who retired more than five years ago).

Respondents for this survey were selected from among those who have 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 for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.8 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

To our Partners and our Community, 

In 2026, Nationwide is celebrating its centennial — our first 100 years in business. Less than one-half of 1% of companies reach this milestone. We’re grateful to have earned the trust of our partners, members and the community and take seriously our role in helping people protect what matters most. 

Nationwide got its start when a group of Ohio farmers came together to get a fair price for auto insurance for those who didn’t live in the city. Farm Bureau Mutual Automobile Insurance Company was formed with just $10,000 to solve a problem for customers. That spirit of protection remains at the heart of the company today. The new company’s first policy was written on April 14, 1926. Since that time, Nationwide has grown into one of the largest providers of insurance and financial services in America. 

Working closely with our intermediary partners, we’ve made it our mission to protect people, businesses and futures with extraordinary care. Whether it’s protecting families with auto, home, pet and life insurance, protecting financial futures through annuities and retirement plans, or offering businesses the specialized protection they need through solutions like excess & surplus, institutional life insurance and stop loss coverage, Nationwide is uniquely positioned as a modern mutual to support our members. 

We’ve earned this position through decades of innovation in support of our customers. As we look ahead to what’s next, it’s important to reflect on a few of our “firsts”: 

• In 1926, Nationwide paid its very first auto claim for a stolen tire, rim and a spotlight. The claim was paid within 24 hours and the company adopted the claims promise “fair, frank, firm and friendly,” setting an early expectation that customers would get fast, transparent help when something went wrong.
• In 1937, Nationwide’s first Safety Officer built a custom “paintball” car that fired paint on the ground at three points in a braking maneuver so people could see how long it actually takes for a driver to react and stop a car; the car toured county fairs, Farm Bureau meetings and high schools, turning cutting-edge road safety education into a traveling show for customers and their communities.
• In 1954, Nationwide became the first insurance company to offer mutual funds, opening the door for everyday investors to access professionally managed, diversified portfolios. This early move into investment products helped customers build long-term financial security alongside their traditional insurance coverage.
• In the 1960s, Nationwide became the first company to offer incentives for a relatively new safety feature in cars — seat belts; at the time, only about 9% of cars had seat belts. But, as more cars hit the road, accidents increased and it just made sense to reward our customers for buckling up.
• In the 1970s and 1980s, Nationwide helped reinvent catastrophe response by sending mobile claims units directly into disaster zones — starting with a pull behind camper after the 1974 Xenia, Ohio, tornadoes — so customers could file claims, talk to adjusters and start rebuilding from a rolling office located where they needed it most.
• In 1975, Nationwide introduced the first deferred compensation annuity designed for public employees, giving teachers, first responders and other public servants a new way to save pre-tax for retirement. This innovation helped lay the groundwork for modern public sector retirement programs and expanded access to long-term savings tools for millions of workers.
• In 1999, Nationwide was the first to combine comprehensive long-term care benefits with a retirement savings vehicle in a single, one-time investment product. By integrating protection and accumulation in one solution, the company helped customers prepare for future care needs while still growing their retirement nest egg.
• In 2007, the company launched telematics, using in-car data to reward safer driving with personalized discounts and giving customers more control over their insurance premiums while reinforcing safer habits behind the wheel.
• In 2017, Nationwide Financial introduced one of the industry’s first fee‑based fixed indexed annuities — designed for fee‑based advisors and their clients, aligning annuity solutions with modern advisory fee structures rather than commissions.
• In 2021, Nationwide was among the first to expand our offering to a suite of protected retirement solutions that provide guaranteed lifetime income within a workplace retirement plan. These solutions give employees entering retirement confidence that their retirement savings will provide income as long as they live, even in volatile markets. 

Ask any Nationwide employee and you’ll hear we’re not an insurance or financial services company — we’re a protection company, and we believe that protection extends to the communities where we live and work. In fact, Nationwide’s commitment to communities has been a defining feature of its first 100 years. 

The Nationwide Foundation, established in 1959, has contributed more than $745 million to communities since the year 2000, focusing on crisis stabilization, affordable housing and economic empowerment. As part of that, the Nationwide Foundation has contributed $170 million in transformational gifts to Nationwide Children’s Hospital in Columbus, Ohio, since 2006, supporting the wellbeing of children and families worldwide. 

Thousands of Nationwide employees across the country give their time, talent and financial support each year to local organizations. In partnership with the Red Cross, the company opened America’s first full-time corporate blood donation center in 1995 and we currently have more than 170 leaders serving on 216 nonprofit boards across the U.S. For our centennial year, we set a goal of 100,000 volunteer hours to celebrate and deepen the personal impact Nationwiders make in support of our neighbors. We look forward to announcing additional community investments in April 2026 to commemorate our milestone anniversary.  

We believe our past informs our future and value your enduring partnership. Thank you for your continued trust and support as we pursue our vision of becoming the most trusted, most caring and most customer-focused protection company. 

Sincerely,  
Kirt Walker, Chief Executive Officer 

Nationwide’s centennial comes as the company continues to invest in its long-term strength and ability to serve members in a dynamic risk environment. The company maintains strong capital and long-standing relationships with members and distribution partners across the country, supported by consistently strong ratings from leading agencies. 

As Nationwide looks beyond its centennial, the company remains focused on helping protect people, businesses and futures with extraordinary care.  

Visit Nationwide’s newsroom and follow the company on LinkedIn, Instagram, Facebook and X to get updates as the company celebrates these milestones and more throughout the year. 

About Nationwide 
Nationwide, a Fortune 100 company based in Columbus, Ohio, is one of the largest and strongest diversified financial services and insurance organizations in the United States. Nationwide is rated A+ by Standard & Poor’s. An industry leader in driving customer-focused innovation, Nationwide provides a full range of insurance and financial services products including auto, business, homeowners, farm and life insurance; public and private sector retirement plans, annuities and mutual funds; excess & surplus, specialty and surety; and pet, motorcycle and boat insurance.  

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

NFN-1931AO    
Nationwide, Nationwide is on your side and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2026 

For parents, the day their teen starts driving is equally exciting and nerve-wracking. The latest survey from Nationwide confirms those fears: only 4 in 10 parents rate their teen’s driving as “very good” or “excellent,” and distracted driving ranks among their top concerns (42%).

“As a parent, I know how important it is to set the right example behind the wheel,” said Dale Earnhardt Jr. “This partnership with Nationwide is about giving families practical tools to build safer habits and rewarding them for doing the right thing.”

Filmed on a driving course near Charlotte, NC, that was designed by the free national pro-active teen driver safety program B.R.A.K.E.S., the multimedia campaign features a parent-and-teen duo learning safe driving techniques with professional instructors and encouragement from Dale Jr. The family also got firsthand experience with Nationwide’s Focused Driving Rewards® program¹, which helps drivers earn points for distraction-free driving and redeem them for gift cards.

“Every mile matters when it comes to teen safety,” said Chris Lee, Nationwide’s VP of Personal Lines Auto. “Partnering with Dale Jr. helps us amplify a simple but powerful message: put the phone down when you’re behind the wheel. With programs like Focused Driving Rewards, families have a practical way to reinforce that message and see real results.”

Research backs it up: 82% of parents say they would enroll their teen in a program that rewards safe driving, with most citing improved driving habits and safety as a top concern (44%)².

Nationwide’s ‘Focused Driving Rewards®’ is open to everyone—not just Nationwide customers—and offers rewards for drivers who keep their focus on the road by not handling their phone.

Program Highlights: 

• Easy App-Based Experience: Track progress and earn points through the Nationwide app, with drivers earning points redeemable for gift cards when they avoid distractions over time.
• Open to All: Nationwide policy is not required, any driver can join and offers up to $60 every six months redeemable in gift cards for those who keep their focus on the road.
• Proven Results: Since launching in 40+ states in 2025, 38% of enrolled participants have lowered their phone distraction, averaging a 39% reduction³.
• Simple Focus: The program only measures phone handling events like tapping, hand-held calls, or phone motion, making it easy to understand and improve.

“Driving is a big milestone for teens, and it’s natural for parents to feel a little anxious. With the right tools and open conversations, families can ease some of that worry and help teens build confidence behind the wheel. Every trip becomes a chance to practice and reinforce safe driving habits,” said Lee. 

To learn more and enroll in Focused Driving Rewards click here.

Campaign media assets, including video b-roll, soundbites and still images can be found here.

¹Focused Driving Rewards is not insurance and does not require the purchase of a policy or a quote. Participation is optional and subject to terms and conditions. Not available in all states. Nationwide may terminate the program at any time.    Focused Driving Rewards is not currently available in AK, CA, FL, HI, LA, MA, NY or OK.
²https://news.nationwide.com/download/7f628269-4f3d-4029-a789-5b9c283b8dcf/familywithteendriver-nationwidedrivingbehaviors2025report.pdf
³Based on Nationwide data through November 2025. Limited to drivers that have more than one month of active participation in the program.

“Our research highlights how different generations approach retirement – and what we can learn from them,” said Cathy Marasco, head of Protected Retirement at Nationwide. “Younger savers are showing that early engagement and proactive planning can create confidence and resilience, while older generations offer valuable perspective on the risks of waiting to take action. As we think about resolving to create better financial habits in the year ahead, these insights give all of us a clearer roadmap for building a stronger financial future.”

Young savers are practicing smart retirement behaviors
On average, Gen Z and Millennial savers started contributing to their workplace retirement plans at age 23 and 28 respectively – nearly a decade earlier than Gen X (34) and Boomers (40). They’re also more engaged and protection focused: checking balances weekly, increasing contributions annually, and planning ahead for market volatility. Roughly 7 in 10 younger savers say they have a strategy to safeguard their savings before retirement, compared to just 55% of Gen X and 44% of Boomers.

Millennials, in particular, are leaning more on resources like their company’s HR team, retirement plan providers, and financial advisors to guide their decisions. And both Gen Z and Millennials show greater familiarity with investment solutions that provide downside protection – and are more likely to say they’d use them.

Ultimately, these habits are paying off. Eight in 10 younger savers feel optimistic about their retirement plans. Nearly half also feel confident about the savings they’ve accumulated – compared with just a third of Gen X and a quarter of Boomers.

Older savers share regrets
On the flip side, older savers were candid about what they wish they’d done differently. More than 80% of Gen X and Boomers regret not starting to save or participating in their employer-sponsored retirement plan earlier. Over 8 in 10 also wish they’d focused earlier on strategies to protect their savings from market volatility or convert assets into sustainable income in retirement. These regrets are compounded by persistent knowledge gaps, including:

• Over three-quarters of older savers wish they understood the power of compounding interest and the benefits of maximizing contributions at a younger age
• 54% of Gen X and 39% of Boomers still misunderstand how compounding interest works
• More than half believe their 401(k) will provide predictable monthly income like a paycheck, setting unrealistic retirement expectations

These missed opportunities have real consequences. One in five Gen X and Boomers feel they’re on the wrong track for retirement and almost 1 in 3 now expect to retire later than planned. And economic uncertainty is adding pressure, with many reporting increased anxiety about their retirement savings over the past year.

Starting early pays dividends
Analysis of NRI’s research by The American College of Financial Services highlights just how powerful an early start can be. Among those who began saving for retirement by age 25, three-quarters feel confident or cautiously optimistic about their future, compared to just 46% of those who started later – a 30-point gap. Even beyond that cutoff, the trend holds: optimistic savers began at roughly age 30 or younger, while those who feel anxious or pessimistic started around age 32 or older.

"The lesson is simple: don’t wait for the perfect moment or the perfect amount to start saving," said Eric Ludwig, PhD, CFP®, Director of the Center for Retirement Income at The American College. "Building the habit early – even with modest contributions – sets the foundation for decades of confidence and better retirement readiness."

Kick off 2026 with smarter saving
With the new year underway, it’s an ideal moment for retirement savers to take stock of where they stand and where they want to be. To start 2026 on the right path, consider some simple actions that can help improve your retirement outlook:

• Start now – or increase what you’re already saving. Every day you wait is a missed opportunity for growth. If you’re already contributing, consider a small increase. Even a 1% bump can make a meaningful difference over time.
• Contribute enough to earn your full employer match. Roughly 20% of savers across all generations say they either don’t contribute enough to receive the full match or aren’t sure if they do, leaving money on the table. If your budget allows, consider maximizing contributions to capture even more growth potential.
• Check in with your retirement plan provider or financial advisor. A quick review at the start of the year can help you understand if your current allocation and risk level still align with your goals, and whether rebalancing may be appropriate.
• Prepare for market changes and long-term income. Take time to understand how your current savings will eventually convert into income in retirement and explore plan options that provide protection or guaranteed income – features that can help stabilize your strategy through market shifts.

“A new year is a natural point to reset your financial habits,” said Marasco. “Workplace retirement plans are evolving to include many of the tools and protections needed to build long-term security – like income solutions, portfolio guidance and downside protection – making it easier for savers to take the next step.”

Advisors and plan sponsors can help ensure their participants have the tools they need to be confident and thrive in retirement. Learn about Nationwide’s Protected Retirement solutions or view the full survey findings.

Methodology
Edelman Data and Intelligence (DXI) conducted a national online 20-minute survey of n=2,200 plan participants, on behalf of Nationwide from July 30th – August 13th, 2025.

As a member in good standing with The Insights Association as well as ESOMAR, Edelman Data and Intelligence conducts all research in accordance with local, national and international laws as well as in line with all Market Research Standards and Guidelines.

Chocolate Tops the Naughty List
December sees a dramatic surge in chocolate-related emergencies, with an 182% spike in these claims in the final two weeks of the year. Chocolate contains theobromine and caffeine, which can cause a racing heart rate, hyperactivity, vomiting, seizures, and even death in pets. The cost for treatment is $814ⁱ.

Décor and Gifts Pose Hidden Dangers
Foreign body ingestion also sees a sharp increase during the holidays as pets encounter decorations, swallow toy parts, or visit new environments. These items can cause intestinal blockages requiring surgery, with the cost for treatment being $3,584ⁱ.

Rich Foods Trigger Painful Illness
Pancreatitis and gastroenteritis (tummy upset) are common throughout the season, often caused by fatty table scraps or sudden diet changes. These conditions lead to painful inflammation and digestive upset, with treatment costs $1,610 for pancreatitis and $786 for gastroenteritisⁱ.

• Foods to avoid giving pets: onions, garlic, chocolate, grapes, raisins, spices, bones, corn cobs, xylitol (found in sugar-free items).
• Fun foods to offer pets—in limited amounts: apple, carrots, green beans, white-meat cooked turkey, pumpkin (puree, not pie filling).

“Emergency care can range from hundreds to thousands of dollars, which is why prevention during the holiday season is so critical,” said Dr. Emily Tincher, Chief Veterinary Officer for Nationwide. “To help with pet-proofing for the holidays, consider what is at your pet’s eye level. Block off areas and human food that might prove too tempting, especially when you leave the house or have guests.”

Quick Tips for a Pet-Safe Holiday

• Keep chocolate, candy, and baked goods out of reach.
• Secure décor and wrapping materials, especially ribbons and strings that attract cats.
• Avoid feeding pets table scraps or fatty leftovers.
• Stick to normal feeding routines and monitor stress levels.

Smart Tech for Peace of Mind
If you’re traveling or away for the day, smart-home devices can be lifesaving for pets. More than eight in ten (85%) independent insurance agents recommend smart-home technology to reduce riskⁱⁱ, the top items they recommend are smart sensors for smoke and carbon monoxide. These devices provide you with real-time alerts, that allow you to act more quickly in an emergency. Some homeowners insurance providers (like Nationwide) offer various smart home devices at no cost to home policyholders.

More Resources to Protect Your Pet
Nationwide’s digital platform, the Pet HealthZone®, is a free tool pet parents can use to determine their pet’s unique risk levels and learn about symptoms to watch for, what to expect at the vet, and potential costs associated with treatment of conditions like toxicity and foreign body ingestion.  

With Nationwide pet insurance, eligible veterinary expenses may be reimbursed based on the member’s chosen coverage. To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.comⁱⁱⁱ. 

ⁱ Cost data is 80^th percentile in the first 30 days of diagnosis for Nationwide insured pets November 2023 to November 2025.
ⁱⁱ https://news.nationwide.com/download/388cf87e-65b2-4935-ad1e-e872883aa63a/2025nationwidehomeownersreport.pdf
ⁱⁱⁱ Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary.  
Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2025 Nationwide.  

In fact, six in ten (61%) non-retired Gen Xers say they didn’t feel their retirement was an urgent priority, rather a distant milestone, until age 50 or older. Moreover, about a quarter (26%) say they won’t reach that point until age 60 or older.  

This delayed awareness has created a domino effect. Many Gen Xers now feel like they're behind in their planning and are fighting to catch up with their retirement savings. After realizing retirement was nearing, 40% of Gen X investors cut discretionary spending, 34% increased their contributions to retirement accounts, 23% sought out professional financial advice and 19% shifted their investment strategy to reduce risk.

Even though they’re taking action, Gen Xers lack confidence in their ability to stretch savings through the full duration of their retirement – and financial advisors agree with that concern. A quarter (25%) of Gen X investors say they are concerned their savings won’t last more than 14 years, and more than one in ten (12%) say their savings are already dwindling. Many advisors share that unease, with 39% believing insufficient retirement income is one of the biggest obstacles for their Gen X clients’ retirement readiness.

“For Gen Xers, the clock is ticking. Retirement is no longer a distant milestone, but an event that’s right around the corner. These investors have been focused on juggling college costs for their children, caring for aging parents and managing through economic volatility over the last several years, but retirement planning can no longer wait,” said Suzanne Ricklin, vice president of Nationwide Retention and Sales. “Every year of delay means fewer options and greater risk they will miss out on a secure retirement. Making retirement a priority now by connecting with a financial advisor who can help pinpoint the right solutions for Gen Xers’ needs is essential for this generation.”

Macro Pressures Top of Mind
Cost of living and broader macroeconomic pressures are profoundly impacting Gen Xers' retirement plans. Despite being on the threshold of retirement, many are reconsidering their timelines entirely. In fact, 16% of non-retired Gen Xers say they are planning to retire later than initially hoped. More than one in ten (12%) say they plan to work part-time in retirement, and 15% say they don't know if they'll ever be able to retire.

That uncertainty is carrying over into Gen Xers' perspective on their post-retirement lives, too. A quarter (26%) of non-retired Gen Xers believe they would be forced to return to the workforce at some point due to inadequate savings if they retired in the next 12 months. More than four in ten (43%) say they'd continue working in some capacity to supplement income out of necessity.

Swirling macroeconomic pressures over the last year have played a key role in this sentiment. While 29% say they won’t change their allocations, 50% of Gen Xers say the events of the last 12 months have made them more likely to put part of their portfolio into an annuity or other solution that provides guaranteed income.

Concerns about inflation and government benefits are accelerating at an alarming pace. More than half (56%) of non-retired Gen Xers believe inflation will increase in the next year, up from 39% six months prior. Nearly half (48%) believe Social Security and Medicare will be cut in the Federal budget process, threatening the long-term solvency of the program, up from 34% six months ago.

The impact is clear: 89% of Gen Xers believe rising living costs are making it harder to retire comfortably.

Key Catalysts Spur Retirement Action
Gen Xers are learning from their family members' retirement experiences—and it's changing how they approach their own planning. In fact, more than a third (37%) of non-retired Gen Xers say observing peers or family members struggle with retirement planning was a primary trigger for making retirement planning a priority for themselves.

In addition to familial struggles with retirement, the current economic landscape is driving retirement planning to the top of the list of priorities for Gen Xers, as 38% say economic changes or market volatility forced them to prioritize retirement planning. Moreover, advisors' recommendations carry significant weight in Gen Xers' eyes, with 28% saying a financial planning session or advice from an advisor prompted them to make retirement planning a priority.

Financial Professionals Recognize Headwinds, Offer Perspective
Beyond insufficient retirement income, financial professionals have identified other key headwinds facing Gen X clients’ retirement prospects. A quarter (25%) point to insufficient emergency savings as a key retirement obstacle for Gen Xers, and a third (33%) also point to concerns around escalating healthcare and insurance expenses as one of the biggest obstacles for Gen X clients.

In response, advisors are using different, targeted approaches to help their Gen X clients compared to those used with their older clients. More than four in ten (43%) are having more frequent and flexible communication with this cohort, keeping in touch regularly to guide them through the home stretch. Nearly a third (32%) are increasing or introducing the use of annuities with their Gen X clients.

“As Gen X investors approach retirement, working with a trusted financial advisor becomes more critical than ever,” said Ricklin. “This generation faces unique challenges, and a calm, professional perspective can help cut through the noise, keep plans on track and protect the dreams they’ve worked so hard to build. Advisors should help Gen X clients create a holistic financial plan that sets them up to meet all their needs, including a plan to ensure their money lasts as long as they do, providing confidence and clarity when it matters most.”

Nationwide offers resources to help advisors facilitate conversations with Gen X clients, including this whitepaper which explores how annuities can help address this cohort’s inflation and market volatility concerns while also offering the clarity and control they value.  

For more insights on this survey data, see our infographic.

Nationwide’s eleventh annual Advisor Authority study, powered by the Nationwide Retirement Institute^® explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

About Advisor Authority: Methodology
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 510 advisors and financial professionals and 2,007 investors ages 18+ with investable assets (IA) of $10K+, August 19-September 2, 2025. Among the investors, there were 580 Gen X (age 45-60). 

Respondents for this survey were selected from among those who have 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 for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.8 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.  

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

“The Walter Payton NFL Man of the Year Award is our league’s most revered honor, celebrating players for their excellence both on and off the field,” said NFL Commissioner Roger Goodell. “These 32 men represent the best of the NFL, and the incredible contributions they make to their teams and communities every day continue to keep Walter’s legacy alive.”

Below is a list of this year’s club winners:

All 32 club winners will be recognized for their achievements during the week leading up to Super Bowl LX in the Bay Area. The national winner of the 2025 Walter Payton NFL Man of the Year Award presented by Nationwide will be announced during NFL Honors, a primetime awards special airing on Thursday, Feb. 5.

Each of this year’s club winners supports a range of causes and initiatives off the field, including uplifting underserved communities, empowering young people to lead healthy lifestyles and many other notable causes. The charitable beneficiary of each team’s club winner will receive up to $40,000, and the nonprofit chosen by the overall national winner will receive up to $250,000. All funds are donations courtesy of the NFL Foundation and the Nationwide Foundation.

Fans are once again encouraged to participate in Nationwide's annual Charity Challenge, a social media and online contest that allows fans to show support for their favorite Walter Payton NFL Man of the Year club winner. Fans can vote on X/Twitter by posting #WPMOYChallenge along with the full name/X handle of their chosen player or by voting directly on NFL.com/ManOfTheYear. The charitable beneficiary of the player who receives the most collective hashtag mentions and online votes will win an additional $35,000 donation from Nationwide, with the nonprofit partners of the runner-up and third-place finishers receiving $10,000 and $5,000, respectively. Charity Challenge voting takes place from December 4 through January 5, 2026.

“As a company deeply rooted in a culture of caring and community support, Nationwide is honored to recognize the inspiring club winners for this year’s Walter Payton NFL Man of the Year award,” said Ann Bair, Executive Vice President and Chief Marketing Officer at Nationwide. “We’re proud to showcase these players and help amplify the causes they champion, celebrating the meaningful impact they’re making far beyond the field.”

First established in 1970, the national award was renamed in 1999 after the late Hall of Fame Chicago Bears legend Walter Payton. Since then, 58 legends and players have received this esteemed award, including five current players: Arik Armstead of the Jacksonville Jaguars – who was last year’s Walter Payton NFL Man of the Year – Cam Heyward of the Pittsburgh Steelers, Dak Prescott of the Dallas Cowboys, Russell Wilson of the New York Giants, and Calais Campbell of the Arizona Cardinals. Each of these players wears a Man of the Year patch on their jerseys throughout the season to recognize the outstanding contributions they have made to the game and their communities.

Beginning Week 14 and continuing through the end of the season, each of this year's club winners will also wear a special Man of the Year helmet decal in recognition of their accomplishments on and off the field. Select stadiums will also display goal post wraps adorned with the NFL Man of the Year trophy silhouette.

New this season, Homage will produce a Walter Payton NFL Man of the Year-inspired “Gladiator” product. The product is inspired by the Man of the Year trophy and celebrates this year’s club winners. Each of the 32 club winners will receive this unique product. Fans can share how they’ve uplifted their communities and enter for a chance to win a Gladiator t-shirt at NFL.com/ManOfTheYear. Fans can also purchase a Gladiator t-shirt directly at Homage.com.

For the first time, fans now have the opportunity to purchase Arik Armstead’s jersey with the Walter Payton NFL Man of the Year Gladiator patch. A limited quantity of the jersey is now available for sale at NFLShop.com, Fanatics.com, and the Jaguars online store.

The NFL does not profit from the sale of Walter Payton NFL Man of the Year products, and proceeds from the products are awarded by the NFL Foundation to player-supported nonprofit partners.

To learn more about the stories of all 32 players and for more information about the award, please visit NFL.com/ManOfTheYear.

• Americans face health care premium pressures which are leading to cuts in medical and preventative care
• This pressure and resulting behaviors could impact long-term financial security, fueling retirement anxiety
• These challenges are compounded by planning gaps and misconceptions about Medicare coverage.
• Financial advisors can play a critical role in helping individuals navigate these challenges.

COLUMBUS, Ohio — As the national debate over affordable health insurance continues, new findings from the Nationwide Retirement Institute show that rising medical costs are forcing even insured Americans to make difficult decisions about their care. Nearly two in five U.S. adults with insurance (37%) report avoiding medical care when sick due to cost concerns, and 41% of insured Americans have skipped healthcare appointments due to rising costs in the past year alone.

To cope with this pressure, insured Americans are increasingly cutting the preventative care that can identify health concerns early and avoid costly interventions later. Over the past year, Americans have postponed or cancelled:

• Dental cleanings (23%)
• Vision tests (20%)
• Seeing a specialist (17%)
• Mental health care (16%)

While these cuts may feel necessary in the moment, skipping care today can create greater health and financial risks in retirement.

At the same time, the price of staying insured is climbing. In 2025, the average cost for single coverage is on track to increase 5%, with family costs rising 6%. With temporary Affordable Care Act (ACA) tax credits set to expire, many households may soon face even steeper premiums.

This creates financial squeeze on two sides: people are paying more to stay insured, yet their insurance covers less of their total health care expenses. Higher premiums combined with rising out-of-pocket costs mean many Americans spend more upfront and still face bills they cannot manage.

Indeed, Nationwide’s survey found:

• 18% of Americans have already turned to medical debt or credit cards to cover out-of-pocket expenses.
• Nearly one-third (31%) say they cannot afford to pay an unexpected $500 out-of-pocket medical bill.

The introduction of high-cost medications, including GLP-1 drugs for diabetes and weight management, is adding more pressure. Many adults who could benefit from these treatments face steep out-of-pocket costs or limited coverage, further widening the gap between what insurance pays and what patients must shoulder themselves.

“Today’s health care costs are forcing Americans to make difficult decisions about when and how to seek care,” said Kristi Rodriguez, senior vice president, Financial Services Marketing and leader of the Nationwide Retirement Institute. “Those tradeoffs may feel short-term, but they can have lasting consequences — leading to poorer health outcomes that, over time, drive higher medical expenses and greater financial stress in retirement.”

Rising Retirement Fears
Rising health care costs pose an even greater challenge as increased longevity requires Americans to manage both higher expenses and more years of care. This pressure is reflected in people’s concerns:

• 73% of U.S. adults list health care expenses going out of control as one of their top retirement fears.
• 71% say they are terrified of what those costs could do to their retirement savings.
• More than half (51%) say medical/health expenses have drastically reduced how much they have saved or will be able to save for retirement.
• 68% worry that a single, major health event could ruin their finances for years to come.

Despite these fears, most Americans admit they are unprepared:

• Nearly six in 10 (59%) say they are not confident in their ability to budget for health care expenses in retirement.
• Two-thirds (66%) cannot estimate how much those costs will total in all of retirement.
• Only 38% have a plan to save for the amount they expect to need in retirement.

These knowledge gaps also extend to safety net programs like Medicare, which currently covers more than 69 million Americans. On average, respondents answered fewer than half of a 16-question Medicare quiz correctly (~7 correct answers on average). One of the biggest misconceptions: two-thirds (66%) incorrectly think that or are not sure if Medicare covers long-term care costs — leaving a costly gap in many people’s plans.

Turning Financial Anxiety into Action with Help
While the financial risks of rising health care costs are clear, the survey also points to an actionable solution: guidance from a trusted financial professional. Americans who work with an advisor are significantly more likely to feel informed and confident about their health care planning. For example, 42% of those not paying to work with an advisor say they do not know how Medicare works to cover medical costs in retirement, compared to just 21% of those who pay to work with a financial professional.

Still, these findings suggest there’s room for deeper conversations:

• More than half (56%) of those working with a financial professional say they have not yet received advice on how and when to file for Medicare benefits.
• Seven in 10 (72%) of those working with a financial professional or those who do not work with a financial professional but do plan to ask one about Medicare benefits in the future say they would switch to an advisor who could offer that guidance.

“Now is the time to close the gap between concern and action,” said Rodriguez. “Financial professionals have a powerful opportunity to help clients understand the connection between health and wealth—by budgeting for routine care and out-of-pocket expenses, planning realistically for health care costs in retirement, and navigating Medicare with confidence. Proactive guidance can protect savings and give clients greater peace of mind about 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, and its educational resources ensure advisors have strategies and tools to help their clients prepare.

View the full methodology here.

The centerpiece of the renewed agreement is Nationwide’s continued role as presenting sponsor of the Walter Payton NFL Man of the Year Award, an honor that recognizes NFL players for outstanding community service and excellence on the field. This year’s 32 club winners will be announced by the NFL on Thursday, December 4.

Since aligning with the league in 2014, Nationwide has worked with the NFL to elevate the platform that honors the legacy of Walter Payton and amplifies the charitable efforts of NFL players whose work is inspired by Walter’s enduring example.

“Nationwide’s partnership with the NFL enables us to elevate our brand and drive business growth by promoting our insurance and financial services products with the league’s hyper- engaged and passionate fan base,” said Ann Bair, Executive Vice President and Chief Marketing Officer of Nationwide. “We’re also looking forward to continuing our presenting sponsorship of the Walter Payton NFL Man of the Year award and shining a spotlight on the impact the players are making off the field. This endeavor aligns with Nationwide’s deep commitment to giving back to the communities where we live and work.”

Over the course of the partnership, Nationwide has contributed more than $2.3 million to charities supported by nominees and winners. Initiatives like the Charity Challenge and other campaigns have expanded fundraising opportunities and awareness for these causes, but sharing the personal stories of the nominees also remains a priority.

A new, annual component of the partnership that will begin during the 2026 season is presenting sponsorship of a one-hour broadcast special that will highlight Walter Payton NFL Man of the Year nominees and how they are uniquely impacting their communities. 

“We’re thrilled to further our relationship with Nationwide - a storied, impactful partner of the NFL for more than a decade,” said Senior Vice President Global Sponsorship at the NFL Tracie Rodburg. “Together, we drive a significant tradition that celebrates our players making an inspiring difference across their communities, and we look forward to continuing this with Nationwide in the seasons ahead.”

The 2025 Walter Payton NFL Man of the Year national winner will be announced during the NFL Honors broadcast, airing nationally on Thursday, February 5 ahead of Super Bowl LX. Nominees will also participate in special Super Bowl week events, including local community event in the San Francisco Bay Area, attendance at NFL Honors, and on-field recognition during the championship game.

A moment to recognize the Walter Payton NFL Man of the Year is also integrated into the NFL Draft. 

In addition to the partnership at the league level, Nationwide also currently has partnerships with 16 NFL clubs. 

About the National Football League

The National Football League is America's most popular sports league, comprised of 32 franchises that compete each year to win the Super Bowl, the world's biggest annual sporting event. Founded in 1920, the NFL developed the model for the successful modern sports league, including national and international distribution, extensive revenue sharing, competitive excellence, and strong franchises across the country.

To address those concerns, Nationwide has partnered with Chrp, a leading AI-powered home risk platform, to launch a tech-driven home inspection tool designed to proactively identify and help prevent common household hazards.

How it works

Nationwide members who have been selected for renewal inspections have the option to complete a guided photo survey of their home using their smartphone. Chrp’s platform analyzes the images against more than 400 known failure points, flagging potential issues like corroded plumbing, problematic electrical panels, or fire hazards.

Homeowners who chose to use the platform then receive a personalized report with recommendations on how to fix problems early — often before they cause considerable damage and inconvenience. In the event that hazards are identified, the inspection is referred to a Nationwide expert to review and determine next steps.

“As a customer-centric insurance company, Nationwide is always looking for ways to improve the home inspection experience for members,” said Helen Simonett, vice president, Personal Lines Property for Nationwide. “In addition to offering a modern, convenient inspection option, Chrp’s platform allows us to empower members to be proactive in protecting one of their most important assets – their home.” 

Why it mattersⁱⁱ

• 70% of non-catastrophic homeowners’ claims originate inside the home
• Water damage (not related to weather) is the #2 claim type for U.S. homeowners
• Average total losses exceed $88,000 for fire damage and exceed $15,000 for water damage
• Electrical malfunctions cause nearly 23,700 residential fires each year in the U.S., leading to more damage than any other type of fire in the home.ⁱⁱⁱ

“Water damage, in particular, is a major driver of losses,” said Zane Koeller, CRO and co-founder of Chrp.  “Our platform has found that 30% of homes contain active plumbing hazards likely to lead to a claim within four years — often from small, inexpensive parts like shut-off valves or aging supply lines. We are here to help homeowners catch potential issues while they're still fixable and save them the inconvenience of having to recover from the damage.”

A smarter approach to home protection

Traditional home inspections are often limited to exterior views or outdated checklists, but Chrp’s platform embeds construction and insurance expertise into its proprietary AI models to focus on identifying and mitigating risks most likely to lead to damage, inside and outside of the home. The result is a more accurate, tech-forward approach to loss prevention.

“Providing an in-depth review — at no cost to the homeowner — may help policyholders better understand why they should care about a hazard now and what they can do to prevent a potential problem down the line,” added Simonett. “The platform is also beneficial for our agency partners because of its self-service nature and insights that help them serve our mutual customers, the homeowner.”

The virtual inspection program is available now in all states where Nationwide writes homeowners policies and will be offered to existing customers who are selected for inspections ahead of policy renewal.

About Chrp

Chrp is an AI-powered home assessment and loss prevention platform. By combining advanced technology with deep construction and insurance expertise, Chrp identifies potential hazards inside and outside the home before they become costly losses. Partnering with carriers of all sizes across the country, Chrp is redefining how insurers prevent risk, enhance underwriting efficiency, and protect policyholders’ homes.

For more information about Chrp and the Chrp platform, visit www.chrptech.com

To celebrate the award, Hiatt has selected her designated Portland-area community partner, Candlelighters Oregon, to receive a $50,000 donation from Nationwide to further the organization’s ongoing work providing critical support services to families facing childhood cancer.

“Sam Hiatt exemplifies the spirit of the Lauren Holiday Impact Award through her heartfelt dedication to families - like hers - that have been affected by pediatric cancer,” said Ann Bair, Executive Vice President and Chief Marketing Officer at Nationwide. “Sam’s work with Candlelighters Oregon and her broader community engagement are powerful reminders of how athletes can use their platforms to create positive change. Nationwide is proud to support and celebrate Sam’s ongoing efforts to be a champion in her community.”

Since joining the Thorns, Hiatt has been deeply involved in community outreach efforts focused on youth empowerment, access to sport, and mental wellness. She has partnered with local organizations to expand opportunities for young athletes, promote healthy and active lifestyles, and foster inclusive spaces that support personal growth and connection.

For nearly five decades, Candlelighters For Children With Cancer has been on a mission that began in 1977 when five families connected in hospital hallways while their children underwent treatment. What started as a small circle of support has since grown into a vital network for families navigating pediatric cancer across Oregon and Southwest Washington.

Today, Candlelighters delivers both essential resources and a strong sense of community. The organization offers financial assistance, in-hospital programs, and safe, welcoming spaces for parents, siblings and youth. Its services also include bereavement support, culturally responsive programming for Latine families, tailored parent and teen groups, and scholarships for young survivors. All programs are provided free of charge, ensuring families can focus on what matters most: being together. Learn more at www.candlelightersoregon.org.

Established in 2024, the Lauren Holiday Impact Award, presented by Nationwide, celebrates players whose leadership embodies the values championed by Lauren Holiday - a two-time Olympic gold medalist, FIFA Women’s World Cup champion, two-time NWSL Champion, National Soccer Hall of Fame inductee, and recipient of the Muhammad Ali Sports Humanitarian ESPY Award. Holiday’s example continues to inspire athletes across the league. This individual honor was preceded by an earlier, team-focused community platform known as the Nationwide Community Impact Award.

As part of the season-long initiative, each NWSL club nominated one player for the Lauren Holiday Impact Award and coordinated a service project with their nominee and a local nonprofit. Each organization received a $5,000 donation from the league and Nationwide to support their efforts.

Since becoming an official league partner in 2021, Nationwide has donated more than $470,000 to nonprofit organizations designated by clubs and player nominees through the Nationwide Community Impact Award (2021-2023) and the Lauren Holiday Impact Award (2024-present).

According to a recent survey from Nationwide, three-fourths (76%) of annuity owners are confident they will be able to retire when they want, compared to only 49% of those who do not own an annuity. However, the age investors plan on retiring has shifted since 2023 when Nationwide initially polled consumers between the ages of 45-60. This cohort now expects to retire at 64.3, six months later than in 2023 (63.7).

“It’s not surprising to see annuity owners feeling confident in their ability to retire, particularly because annuities are one of the only investment products that can provide guaranteed income for life no matter how long someone lives and regardless of the economic environment,” said Rona Guymon, senior vice president of Nationwide Annuity Distribution. “This presents an opportunity for financial professionals to connect with investors who don’t currently own an annuity to see if one aligns with their financial goals and retirement plans. In any economy, and at all stages of the financial life cycle, annuities can provide protection and guaranteed income.”

Interest in annuities is growing

In addition to helping them feel confident about their retirement timeline, investors also recognize the value of annuities when it comes to guaranteed income.

According to a recent Greenwald Research program sponsored by Nationwide, consumers have more confidence in the guarantee from an annuity than they do from Social Security. Seventy percent of consumers said they were confident they would receive annuity income payments as promised, vs only 61% that said they were confident they would receive their full Social Security benefits.

This confidence in guaranteed payouts may be a reason interest in annuities is growing, with 31% of investors who have never purchased an annuity significantly more likely to consider a purchase today than in 2023 (5%), according to Nationwide’s survey.

“For years, misinformation and misinterpretations have plagued annuities, but as advisors have stuck with fact-based messages to dispel those myths, we’ve seen sentiment start to change. It’s incredible to see investors recognizing the unique benefits annuities offer and turning to them as a key solution for a stable retirement,” Guymon said. “This reinforces how crucial it is for advisors to help their clients fully understand the benefits and drawbacks of all retirement solutions so they can make informed decisions about the products that are right for them.”

Seeking out a financial professional partner

Interest in annuities isn’t the only thing on the rise. More investors are seeking out financial professionals and advisors too.

Almost half (48%) of investors in Nationwide’s survey said they are working with a paid financial professional, up from 36% in 2023. Those who work with a financial professional are also more likely to have discussed annuities (78% in 2025 vs 66% in 2023), and more likely to say their financial professional views annuities positively (55% in 2025 vs 39% in 2023).

“Our survey data highlights an opportunity for advisors to connect with the 52% of investors who don’t currently receive professional financial advice, helping them gain the knowledge of solutions like annuities that will allow them to retire with confidence,” Guymon said.

The Nationwide Retirement Institute offers access to planning tools and consultative support that financial professionals can use to connect with new clients, helping to build a trusted and lasting relationship.

About Nationwide and Zeldis Reseach’s Future Annuity Buyers Study:

The research was conducted online within the U.S. by Nationwide Mutual Insurance Company and Zeldis Research from July 17-24, 2025, among 699 consumers who qualified as “Future Annuity Buyer” targets. This target was defined as consumers ages 45-60, not retired, with income and asset thresholds of at least $100,000 and $150,000, respectively.

About Greenwald Research’s Retiree Insights Program:

The research was conducted online within the U.S. by Greenwald Research in June 2025, among 1,000 consumers. Consumers were between 50-70 years old with investable assets of at least $200,000, no defined-benefit income and involved in household financial decisions. Nationwide Mutual Insurance Company was a sponsor of this research.

To celebrate the tremendous contribution these furry friends make every day, leaders and staff from Nationwide and Nationwide Children’s recently gathered to host a special event that allowed these wonderful dogs to have some fun. The event commemorated a special multi-year contribution from Nationwide to the Butterfly Paws Pet Health Fund, which will cover the veterinary needs for the Butterfly Paws working dogs over the next five years, beginning in 2026.

“The Butterfly Paws dogs give so much to improve the mental health and well-being of kids, families and staff at Nationwide Children’s Hospital.” said Dr. Emily Tincher, chief veterinary officer for Nationwide Pet Insurance. “Supporting health care and research at Nationwide Children’s has always been a priority for Nationwide, and now this commitment extends to the dogs who bring comfort and joy to patients and families. The human-animal bond thrives when pets are healthy, which is why we’re making this financial commitment that ensures these incredible dogs receive the veterinary care they need to continue their vital work for the kids and staff at the hospital.”

Hank, Maverick, Marlee, Savi and Gibbs were given some time off to attend the event, where the dogs were able to enjoy new toys, belly rubs and play time with hospital staff, Nationwide employees and patient champions—letting these dogs take a break and just be dogs.

“Butterfly Paws is made entirely possible through philanthropy,” said Melissa McMillen, director of Butterfly Paws at Nationwide Children’s. “Generous support like this from Nationwide allows us to continue providing the best care to the beloved canines who do so much every day to support our patients, families and staff.”

The 2025 gift, which builds on more than a decade of philanthropic investments in vital programs, supports key hospital initiatives including biomedical data sciences, genomics, population health, endowed chairs and behavioral health. These programs seek to help all children have a healthy future, whether they live in central Ohio or across the United States.

“Through the Pediatric Innovation Fund, Nationwide Children’s Hospital is advancing research and community health in ways that are both innovative and far-reaching,” said Nationwide CEO and Nationwide Foundation Chairman Kirt Walker. “Their groundbreaking work in affordable housing, genomics, mental health and data science is making a measurable difference for children and families here in Ohio and around the world.”

The Nationwide Foundation established the Pediatric Innovation Fund in 2014 to target strategic investments in pediatric and community health and to accelerate the most promising research and clinical discoveries at Nationwide Children’s. The Nationwide Foundation’s contributions to Nationwide Children’s Hospital have now reached $170 million, including an initial transformational $50 million donation in 2006 and $120 million to the Pediatric Innovation Fund.

In addition, Nationwide’s sports marketing programs, including the Nationwide Children’s Hospital Championship, have raised more than $70 million since 2011 to support hospital programs.

Healthy Neighborhoods, Healthy Families

Community factors such as access to housing, health care, education, employment, and healthy food directly affect a person’s health. By dedicating support from The Pediatric Innovation Fund to Nationwide Children’s Healthy Neighborhoods Healthy Families initiative, The Nationwide Foundation is helping address factors that impact health and well-being through housing.

“Improving the health of families and neighborhoods means tackling the root causes — like housing and economic stability — that shape health outcomes,” said Tim Robinson, CEO of Nationwide Children’s Hospital. “Real change takes all of us, and the Nationwide Foundation’s extraordinary $10 million gift is a powerful catalyst. It will accelerate our work in affordable housing, fuel groundbreaking genomic research, drive innovation in data science, and help us attract world-class talent. Together, we’re building a healthier future — starting at home.”

Healthy Homes, the affordable housing arm of Healthy Neighborhoods Healthy Families, will construct scattered-site affordable rental homes in Linden. In the South Side, the fund will contribute to developing new homes for affordable rentals and constructing homes that will be sold for homeownership.

“Nationwide Children’s Hospital is redefining pediatric care and neighborhood health, and we’re proud to stand with them. Our shared commitment to solutions like affordable housing and research reflects our belief that every child deserves a healthier future. The Nationwide Foundation is honored to support work that creates a lasting impact in our community and beyond,” said Walker.

Transforming Care Together

Other programs benefiting from this year’s $10 million gift include:

• Genomics: Funding in 2025 will support capital and programming enhancements to process genomes more quickly and cost-effectively at the hospital’s Steve and Cindy Rasmussen Institute for Genomic Medicine. Additionally, a new study focused on finding ways to detect cancer early using a simple blood test will begin enrolling patients. Established in 2016, the Institute is one of the leading programs in pediatric precision genomic medicine in the U.S., focusing on genomics as the key to diagnosis and to identifying treatments for a range of childhood diseases.
• The Kids Mental Health Foundation (founded and operated by Nationwide Children’s Hospital): 2025 support includes translating resources into Spanish to reach more families, providing mental health resources to sports coaches, updating online curriculum to help parents support their kids’ mental health and launching The Kids Mental Health Corporate Collective to empower and amplify companies, brands, and employers who’ve made a commitment to build a better future for kids and their mental well-being. Nationwide’s involvement in the Corporate Collective will lend instant credibility and name recognition to this important effort.
• Biomedical Data Sciences: In 2025, the Office of Data Sciences aims to improve data integration, expand secure user access, boost cloud support for research and AI, and launch a hub to make data more accessible to Nationwide Children’s researchers.
• The Nationwide Foundation Endowed Chair in Emergency Medicine: Funds will support ongoing efforts to attract and retain best-in-class talent by creating the Nationwide Foundation Endowed Chair in Emergency Medicine. The chair will be awarded to Rachel M. Stanley, MD, division chief for emergency medicine at Nationwide Children's Hospital and professor of pediatrics at The Ohio State University College of Medicine. Eighteen endowed chairs have been made possible through the Nationwide Foundation. These endowed chairs are critical to the recruitment and retention of top medical talent, supporting the Hospital’s ranking as a Top Ten children’s hospital in the country by U.S. News & World Report.

About Nationwide Children’s Hospital
Named to the Top 10 Honor Roll on U.S. News & World Report’s 2025-26 list of “Best Children’s Hospitals,” Nationwide Children’s Hospital is one of America’s largest not-for-profit free-standing pediatric health care systems providing unique expertise in pediatric population health, behavioral health, genomics and health equity as the next frontiers in pediatric medicine, leading to best outcomes for the health of the whole child. Integrated clinical and research programs, as well as prioritizing quality and safety, are part of what allows Nationwide Children’s to advance its unique model of care. 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 1.9 million patient visits annually. As home to the Department of Pediatrics of The Ohio State University College of Medicine, Nationwide Children’s physicians train the next generation of pediatricians and pediatric specialists. The Abigail Wexner Research Institute at Nationwide Children’s Hospital is one of the Top 10 National Institutes of Health-funded free-standing pediatric research facilities. More information is available at 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 $700 million since 2000 to help nonprofit organizations in communities where Nationwide associates and their families live and work.

Whereas previous generations used homeownership as a tool to build wealth, many Millennials (investors ages 29-44) are struggling to afford housing and view it as a challenge to their retirement savings plan. That struggle is causing a negative view of retirement attainability in general – more than a third (35%) of Millennials cite rising housing costs as the biggest obstacle to their retirement readiness, and 46% believe mortgage or home equity loans pose the biggest threat to achieving a secure retirement.

The impact of the housing dilemma is immediate and measurable: 60% of Millennials have adjusted their retirement plans at least some since the start of 2025 in response to rising housing costs. This housing-retirement tension represents a fundamental departure from traditional wealth-building strategies, forcing Millennials to reimagine how they’ll achieve financial security in retirement without relying on real estate appreciation.

Without access to wealth through housing, Millennials are turning toward contribution plans early in their retirement journeys. Half (50%) of this cohort opened retirement accounts, such as 401(K)s or IRAs, and a quarter (22%) opened brokerage accounts to begin planning for retirement. The shift towards contribution plans also looks like more than just a temporary focus for this generation. Nearly three in ten (28%) working Millennials say they plan to contribute more to their 401(k) or employer-sponsored defined contribution plan over the next 12 months, and 23% say they plan to contribute the maximum amount eligible for an employer match.

Despite these actions, Millennials are worried about how long their savings will last in retirement. More than a fifth (22%) say they are concerned their savings won’t last more than 14 years, and one in ten (10%) say their retirement savings are already dwindling. 

“Millennials are navigating their prime earning years in a financial landscape marked by volatile markets, high interest rates and shifting economic norms. These challenges are not only impacting their ability to build long-term wealth but also key life milestones like homeownership,” said Juan José Pérez, president of Nationwide Corporate Solutions. “While it’s great to see Millennial investors tapping into the benefit of retirement accounts, partnering with a trusted financial advisor can help them build on those savings, creating personalized, goal-based strategies to manage risk and prepare for major life events with confidence.”

As Millennials Embrace Professional Advice, Advisors Are Addressing their Blind Spots

The complexity of today’s financial landscape has driven Millennials to seek professional guidance at unprecedented rates. Of the 45% of Millennial investors who pay to work with an advisor or financial professional, three-fourths (75%) began doing so in the last 12 months. However, the surge in professional relationships reveals a critical gap between Millennial concerns and advisor perspectives.

While Millennials focus on immediate challenges like housing costs, advisors take a longer view. Only about one in ten (9%) advisors say housing prices and mortgage rates pose a long-term challenge to their clients’ retirement portfolios. Eight in ten (82%) advisors, however, indicate healthcare costs are an extremely/very significant factor in their Millennial clients’ ability to plan for retirement. Additionally, 35% of advisors indicate the uncertain future of government support programs (Social Security, Medicare, Medicaid) pose the most immediate challenges to clients’ retirement portfolios.

The disconnect is striking: only 13% of Millennial investors cite healthcare costs as an obstacle, and 6% consider a presumed lack of Social Security funds to be a challenge to preparing for retirement, suggesting Millennials can benefit significantly from advisors’ long-term perspective on retirement planning risks.

“It’s great to see more Millennials turn to financial professionals, and healthy for advisors to help them see beyond short-term financial goals. However, our survey data shows a disconnect, highlighting an opportunity for advisors to take a step back and ensure they are listening to Millennials’ goals and addressing their concerns before offering solutions – whether those solutions are for short-term or long-term life events,” Pérez said.

When working with Millennials, advisors should note they may be ready for more sophisticated long-term investment strategies, with six in ten (61%) Millennials saying they are likely to put part of their portfolio in an annuity or other solution that provides guaranteed income given the events of the last 12 months.

“Saving for short-term goals, like buying a house, is important, but layering that with preparation for longer-term challenges remains imperative,” said Pérez. “Advisors who can establish relationships with Millennial clients now have a tremendous opportunity to grow their practices, as this generation is just starting to build meaningful savings and looking for a partner to help guide them on that journey.”

The Nationwide Retirement Institute offers resources to help advisors facilitate conversations with Millennial clients.

For more insights on this survey data, see our infographic.

Nationwide’s 11^th annual Advisor Authority study, powered by the Nationwide Retirement Institute®, explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

About Advisor Authority: Methodology

The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 510 advisors and financial professionals and 2,007 investors ages 18+ with investable assets (IA) of $10K+, August 19-September 2, 2025. Among the investors, there were 667 Millennials (age 29-44).

Respondents for this survey were selected from among those who have 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 for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For all investors data is accurate to within ± 2.8 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll

The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

To help individuals plan with confidence, Nationwide CareMatters Annuity offers a simple, flexible, annuity-based long-term care solution with minimal underwriting requirements and a straightforward product design to help protect more Americans.

CareMatters Annuity allows clients to make a one-time payment, convert an existing non-qualified annuity or life insurance policy into long-term care coverage, or use a combination of those options. It is a simple way to help individuals maximize their assets for long-term care coverage while preserving the resources they have built for retirement and their legacy.

“Nationwide CareMatters Annuity is built on the belief that long-term care planning should be empowering, not overwhelming,” said Holly Snyder, president of Nationwide’s life insurance and long-term care business. “This product provides long-term care coverage, protects retirement assets, preserves legacy, and enables individuals to choose the care that’s right for them – all with the simplicity and guarantees they deserve.”

Three important benefits that CareMatters Annuity offers: 

• Simplicity — With a single payment, and/or an exchange of an existing non-qualified annuity or life insurance policy, individuals can receive triple or double their contract value for long-term care expenses.
• Guarantees — A guaranteed 3% fixed crediting rate provides guaranteed long-term care benefits. If care is not needed, any remaining contract value is available to beneficiaries as a death benefit.
• Flexibility — Cash indemnity benefits empower individuals to choose the care that works best for them. Once qualified, they receive 100% of their monthly cash benefit, with no need to submit bills or receipts and no restrictions from Nationwide on how they use their monthly LTC benefits. Benefits can be used for care from family and friends and are 100% payable even if the insured resides internationally.

“If you reposition $100,000 into CareMatters Annuity, you’ll have either $300,000 or $200,000 in long-term care coverage on day one,” Snyder added. “Your contract value and LTC benefits will then grow over time at the 3% guaranteed fixed crediting rate.”

Nationwide has been delivering innovative long-term care solutions for over 25 years, pioneering cash indemnity benefits for linked-benefit LTC coverage. With CareMatters Annuity, we have expanded our industry-leading suite of long-term care solutions to help more Americans gain and tailor coverage that best meets their needs. As the #1 linked benefit LTC carrier in the industry², Nationwide is committed to providing a variety of flexible solutions to address this large, unmet need with confidence and choice.

For more information about Nationwide CareMatters^® Annuity, contact your financial professional or visit nationwidefinancial.com/carematters.

1. It Costs You Nothing—But Delivers High Impact  

Pet insurance is a zero-cost benefit for employers to offer because the cost is covered by the employees who opt into this benefit, yet it can make a meaningful difference in employees’ lives. It’s a way for the employer to show they care, especially for employees who might not have children but consider their pets family.  

2. It’s a Secret Weapon for Retaining Gen Z and Millennials  

Younger employees are deeply connected to their pets, often treating them much like human children. In fact, 72% of Gen Z and Millennials with pet insurance report being fully engaged at workⁱ. Offering this benefit signals that their employer understands and supports what matters most to them.  

3. Employees Can Enroll Anytime  

Unlike most voluntary benefits tied to open enrollment season, pet insurance allows year-round enrollment. This flexibility means employees can opt in when they adopt a pet or when their financial situation changes, making it more accessible and relevant.  

4. Pet Ownership Supports Employee Wellness  

Pets are proven to reduce loneliness, improve recovery from illness and boost overall mental health. Supporting pet ownership by offering insurance can help employees to bring their best selves to work both physically and emotionally, which can translate to better performance.  

5. It Protects Financial Well-being  

Unexpected vet bills can be financially devastating. Pet insurance helps employees avoid dipping into savings or their 401(k), especially in today’s tough economy where costs, including pet healthcare, are rising. With many workers living paycheck to paycheck and having less than $1,000 saved for emergencies, this benefit can be a financial lifeline that helps them keep their savings goals on track. 

Choosing the right provider  

David Hurley, Director of Pet Voluntary Benefits for Nationwide, offers this guidance to benefit administrators and brokers trying to select the right pet insurance partner for their employees:   
“Pet insurance needs are not one-size-fits-all. Some employees value comprehensive coverage, while others may be more interested in avoiding catastrophic expenses. Others are more focused on how the cost will impact their paycheck. Look for plans that allow employees to tailor coverage to their budget. For example, Nationwide’s My Pet Protection Choice lets employees adjust deductibles, coverage limits, and even choose accident-only plans. This flexibility makes the benefit accessible across generations and income levels.”  

Bottom line: Pet insurance is more than a perk, it’s a powerful way to support wellness, financial stability and employee engagement. For many, furry family members are among the most important relationships in their lives.  

Learn more: Nationwide’s pet insurance team has created a white paper with insights into how and why pet insurance can engage employees by meaningfully enhancing employee benefit menus: Creating in-roads with millennials and Gen-Z with pet insurance

“We’re introducing RetireAssist Connect to address the growing demand for scalable, efficient group retirement plan solutions that don’t compromise on customization or fiduciary protection,” said Rich Porter, senior vice president of Nationwide Retirement Solutions Distribution. “This solution offers advisors the simplicity of a pooled structure with the autonomy to tailor plan design, investment options, and pricing to meet the unique needs of employers and participants.”

Key Benefits of RetireAssist Connect:

• Tailored Plan Design – Unlike traditional pooled plans with standardized structures, RetireAssist Connect allows for personalized plan features to better align with employer goals and participant needs.
• Expanded Investment Options – Participants gain access to a broader range of investment choices through Nationwide’s Fund Window.
• Cost-Effective Pricing – Individualized pricing ensures employers only pay for the services they need.
• Comprehensive Fiduciary Support – Full 3(16) and 3(38) fiduciary services reduce administrative burden and liability for plan sponsors.
• Streamlined Operations – A single Form 5500, shared audit costs, and end-to-end support simplify day-to-day plan management.

Nationwide serves as the recordkeeper, custodian and corporate trustee for Nationwide RetireAssist Connect, and is joined by a strong team of service providers including Kovitz Investment Group Partners as the 3(38) investment fiduciary, Fiduciary Wise as the pooled plan provider for 402(a), and Strongpoint as the plan administrator.

More information about RetireAssist Connect, and other Nationwide RetireAssist solutions, can be found here.

Nationwide Retirement Solutions is a business within Nationwide, a Fortune 100 company based in Columbus, Ohio, that is 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 financial futures for over 2.7 million participants. Nationwide services the highest volume of Governmental 457 plans and demonstrated significant growth in corporate 401(k) and not-for-profit 403(b) markets.¹ 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.

¹ Plan Sponsor 2024 Recordkeeping Survey

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.

Nationwide, Kovitz Investment Group Partners, Fiduciary Wise and Strongpoint are separate and nonaffiliated companies.

The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company, Columbus, Ohio. Trust programs and trust services are offered by Nationwide Trust Company, FSB. Nationwide Investment Services Corporation, member FINRA, Columbus, Ohio.

Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide RetireAssist, Nationwide RetireAssist Connect and other marks displayed in this message are service marks of Nationwide Mutual Insurance Company and/or its affiliates, unless otherwise disclosed. Third-party marks that appear in this message are the property of their respective owners. © 2025 Nationwide

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This improved outlook comes despite uncertain market conditions. For some, the uncertainty has encouraged more active engagement: 44% of workers say they are checking their retirement account balances more frequently in recent months due to market fluctuations. However, for others, that same volatility has also prompted reactive decisions, with 48% shifting savings to more conservative assets, potentially sacrificing long-term growth for short-term reassurance – or locking in losses in down markets.  That number climbs to 54% among young people ages 22-34 who have longer investment time horizons.

Most concerning, those who express the highest levels of confidence are more likely to make decisions that could undermine their financial futures. They are 12 points more likely to have reallocated savings to more conservative assets and 10 points more likely to have made emotional decisions about their retirement investments that they ended up regretting. These include selling at market bottom, putting too much of their portfolio in a single asset class, halting retirement contributions altogether or buying too high when markets recover. These actions run counter to long-term investment principles and reflect instinctive, rather than informed, choices.

These findings underscore a troubling reality: confidence may not be grounded in financial knowledge. In fact, fewer than half of American workers (46%) correctly understand how compound interest works – one of the most essential, foundational concepts in retirement planning. Similarly, Americans aged 50-75 averaged just 31% on a retirement literacy quiz despite expressing high confidence in their preparedness, according to a study from The American College of Financial Services.

“These findings show that feeling confident isn’t the same as being prepared. Even confident investors make decisions that undermine their long-term financial security,” said Cathy Marasco, vice president of Protected Retirement at Nationwide. “To prevent letting emotion drive decisions, workers should make sure they’re taking advantage of the best advice they can get from a financial professional or resources provided by many workplace retirement plans for those who may not have access to an advisor. They may also find security in innovative solutions that may be offered by their workplace retirement plan, like lifetime income investment options that can deliver protection without sacrificing growth, even in volatile markets.”

“Even financially knowledgeable investors often make emotional decisions during market volatility,” said Eric Ludwig, PhD, CFP®, Director of the Center for Retirement Income at The American College of Financial Services. “The solution isn't just more education, but plan designs that account for human psychology. Features like lifetime income options can help workers avoid the temptation to make reactive decisions in the first place, regardless of their knowledge level."

Employees Seek Predictability, Employers Lag Behind

Employees’ desire for stability is clear in the survey findings. Most workers say they want plan features that provide predictability and protection, including auto-enrollment (73%) and automatic contribution increases (64%). Yet many don’t have access to these tools according to the survey: Only 66% of private sector employers offer auto-enrollment and just 51% offer auto-increase.

When it comes to protection, like in-plan lifetime income funds, the demand among private-sector employees far outpaces what most of their employers provide. About 9 in 10 employees say they want guaranteed monthly income that lasts for life, yet less than 2 in 5 private sector employers offer such plans. While many employers cite higher employee costs as a barrier, 85% of private sector workers say they would be willing to pay more today for protected investment options.

“Our survey findings highlight the need for private employers to offer guaranteed income sources to their employees, especially with so much uncertainty around the future of Social Security. Offering solutions like lifetime income investment options within retirement plans is not just good for employees, it’s good for business,” added Cathy Marasco. “These features strengthen retirement readiness, which can boost employee satisfaction, ease long-term financial pressures on organizations and aid recruiting and retention. Confidence without knowledge is risky, but with the right tools, workers can build retirement security with even more confidence.”

You can find information about Nationwide’s protected retirement solutions here for financial professionals and here for plan sponsors.

For more insights on this survey data, see the Advisor Advocate Blog or view this infographic.

Methodology

Edelman Data and Intelligence (DXI) conducted a national online 20-minute survey of n=500 private plan sponsors, n=100 public plan sponsors, and n=2,200 plan participants, on behalf of Nationwide from July 30th – August 13th , 2025.  

As a member in good standing with The Insights Association as well as ESOMAR Edelman Data and Intelligence conducts all research in accordance with local, national and international laws as well as in line with all Market Research Standards and Guidelines. 

“We’re proud to continue hosting this best-in-class tournament in Columbus as part of the Korn Ferry Tour Finals,” said Jim McCoy, vice president of sports marketing for Nationwide and president of the tournament’s host organization, Champions of the Community. “It’s an honor to support an event that not only showcases rising talent in professional golf but also plays a vital role in supporting Nationwide Children’s Hospital’s commitment to delivering exceptional care and transforming health outcomes for kids locally and around the world.” 

Thanks to continued corporate and community support, the Nationwide Children’s Hospital Championship is poised yet again to raise the charity bar and significantly increase donations to the Hospital. 

“The PGA Tour and Nationwide have been remarkable partners to the hospital with the Nationwide Children’s Hospital Championship for nearly two decades,” said Tim Robinson, CEO of Nationwide Children’s Hospital. “We are especially grateful this year for the ways the tournament has broadened the impact of its support. The golf championship is vital to raising funds that help us achieve our mission of best outcomes and health equity for all children, ensuring every child has access to the best care regardless of their ability to pay. We see it every day at the hospital, especially in our cancer unit, where funds from the championship are helping our most vulnerable patients.” 

Together with the tournament’s focus on charitable giving, the other constant for the event will be the host venue, The Ohio State University Golf Club – Scarlet Course. The Scarlet Course has served as the home of the Nationwide Children’s Hospital Championship from its inception and remains one of the truest tests of golf on the Korn Ferry Tour.

“The Ohio State athletics department and The Ohio State University Golf Club are excited about extending our partnership with the Korn Ferry Tour and Nationwide Children’s Hospital to continue to host future Korn Ferry Tour Finals events at our Scarlet Course,” said Shaun Richard, executive associate athletic director at The Ohio State University. “This event will allow us to showcase the terrific facilities at OSU Golf Club and will surely prove a tough test for the professionals vying for a PGA TOUR card. Most important, it will reinforce our partnership with Nationwide Children’s Hospital and the families it serves both here in Columbus and nationally.”  
The Nationwide Children’s Hospital Championship is managed by HNS Sports Group, an Ohio-based event management LLC specializing in golf.

The 19th playing of the Nationwide Children’s Hospital Championship begins tomorrow, Thursday, September 18th, as the second of four Finals events and will play a pivotal role in determining who will earn PGA TOUR membership for the 2026 season. The top 20 players in the season-long standings at the conclusion of the 2025 Korn Ferry Tour Championship will earn PGA TOUR membership for the 2026 season.

The four Finals events – which includes the Nationwide Children’s Hospital Championship – feature $1.5 million purses and award 600 points to each winner. The 2025 Nationwide Children’s Hospital Championship features a field of 144 players. The fields for the Finals will be progressively reduced, starting with 156 players for event No. 1, 120 players for event No. 3 and finishing with 75 players in the final event. The preceding 22 events on the schedule will have a minimum purse of $1 million and award 500 points to the winner.

The field for the Nationwide Children’s Hospital Championship will compete over 72 holes of stroke play, with a cut to the top-65 players and ties after 36 holes. Golf Channel will broadcast tournament coverage from Thursday’s opening round to the trophy presentation on Sunday in high definition.

General admissions for the 2025 Nationwide Children’s Hospital Championship is FREE. 

For general tournament information, including how to volunteer, please visit www.ncc-golf.com or call (614) 764-GOLF. Stay connected with the Nationwide Children’s Hospital Championship on X (@NCHC_Golf), Instagram (@nchcgolf), and Facebook (www.facebook.com/NationwideChildrensChampionship). 
 

About The Nationwide Children's Hospital Championship

The Nationwide Children’s Hospital Championship is owned and operated by Champions of the Community, Inc., an Ohio non-profit corporation. The event is one of four Korn Ferry Tour Finals tournaments where players compete for increased purses and points allocations. Featuring a purse of $1,500,000 the tournament is conducted to showcase the best golf on the Korn Ferry Tour on one of the most challenging venues in the world, The Ohio State University – Scarlet Course, for the enjoyment of spectators and to benefit charitable organizations in central Ohio. For more information, call 614-764-GOLF or visit our website at www.ncc-golf.com.

About Nationwide Children's Hospital 

Named to the Top 10 Honor Roll on U.S. News & World Report’s 2024-25 list of “Best Children’s Hospitals,” Nationwide Children’s Hospital is one of America’s largest not-for-profit free-standing pediatric health care systems providing unique expertise in pediatric population health, behavioral health, genomics and health equity as the next frontiers in pediatric medicine, leading to best outcomes for the health of the whole child. Integrated clinical and research programs, as well as prioritizing quality and safety, are part of what allows Nationwide Children’s to advance its unique model of care. Nationwide Children’s has a staff of more than 16,000 that provides state-of-the-art wellness, preventive and rehabilitative care and diagnostic treatment during more than 1.8 million patient visits annually. As home to the Department of Pediatrics of The Ohio State University College of Medicine, Nationwide Children’s physicians train the next generation of pediatricians and pediatric specialists. The Abigail Wexner Research Institute at Nationwide Children’s Hospital is one of the Top 10 National Institutes of Health-funded free-standing pediatric research facilities. More information is available at NationwideChildrens.org.

About Korn Ferry Tour

Founded (1990), owned and operated by the PGA TOUR, the Korn Ferry Tour identifies and develops golf's next stars, preparing them to compete and win on the game's biggest stage. The Korn Ferry Tour, which has served as a path to the PGA TOUR since its inception, annually awards 20 PGA TOUR cards based off its points list, with the No. 1 player earning exemptions into the following year’s PLAYERS Championship and U.S. Open. With more than 700 PGA TOUR titles, 35 major championships and eight FedExCup champions, Korn Ferry Tour alumni make up 82 percent of the PGA TOUR’s current membership. To learn more about the PGA TOUR, the Korn Ferry Tour and to follow the season-long quest for PGA TOUR cards, visit PGATOUR.COM or follow the Korn Ferry Tour on social media. Nine Korn Ferry Tour events in 2025 are televised on Golf Channel in the United States, with tournament coverage available internationally in more than 170 countries and territories via 23 media partners.

About The Ohio State University Athletics Department 

The Ohio State University Department of Athletics is completely self-supporting and receives no university monies, tax dollars or student fees. The Department of Athletics sponsors 36 fully funded varsity teams – 17 for women, 16 for men and three that are co-educational – and is committed to providing the very finest in academic and athletics support in an effort to provide its more than 1,000 student-athletes with a quality, life-changing experience at Ohio State.

About HNS Sports Group

HNS Sports Group is a Dublin, Ohio-based LLC founded in 2000. The company offers over 125-plus years of collective experience and is committed to providing professional, efficient and effective client representation in the categories of sponsorship consultation, event management, hospitality management, sales representation and tournament operation within the golf market. To learn more about HNS Sports Group, visit www.hnssports.com.

These concerns come at a time when many current Social Security recipients are already struggling to make ends meet: 61% say missing even half of a Social Security payment would leave them unable to survive financially, and 55% say their benefits don’t cover their basic needs in retirement. As a result, many have been forced to make tough financial trade-offs, with 52% cutting back on discretionary spending, 31% reducing essential expenses, and another 31% relying more heavily on their savings or retirement accounts.

“Today’s retirees are facing economic headwinds that feel more unpredictable and immediate than ever before,” said Tina Ambrozy, Head of Strategic Customer Solutions at Nationwide. “While it’s difficult to predict the long-term impact of recent shifts in U.S. trade policy, with inflation on the rise and new tariffs adding to economic uncertainty, more Americans are worried about whether Social Security will be enough to support them in retirement. These findings show that many Americans are just one disruption away from serious financial strain. Now more than ever, people need guidance and a personalized plan to help protect their income and secure a more stable future.”

Lack of Faith in the Future of Social Security

This sense of instability isn't limited to today’s retirees. Across the broader population, concerns about the future of Social Security are widespread and deeply felt. More than four in five Americans (83%) express concern about the long-term viability of the program, and 74% worry that Social Security will run out of funding in their lifetime. For younger generations, skepticism is even more acute: 38% of Gen Z (age 18-28) respondents and 34% of millennials (age 29-44) believe they won’t receive a single dime of the benefits they’ve earned.

A False Sense of Security: Understanding the Knowledge Gap

While most Americans (74%) believe they can manage their Social Security benefits without the help of financial professionals, the data suggest this confidence may be overstated, as only 38% of Americans say they are actually confident in their knowledge of the program.

In fact, just 21% of all respondents were able to correctly identify the age at which they are eligible to receive full Social Security benefits. When asked to respond to 15 true-or-false questions about Social Security, the average respondent knew only eight correct answers.

Adding to the challenge, nearly one in five (19%) current Social Security recipients report that it has become more difficult to access or manage their benefits in 2025, signaling a system that’s not only misunderstood, but also increasingly complex to navigate without professional help.

Financial Professionals Can Bridge the Gap

To manage this complexity, Americans are open to receiving help from financial professionals as they plan for various income streams in retirement. The survey found that 58% of U.S. adults are interested in speaking to a financial professional to help them manage or navigate potential cuts to Social Security benefits in the future.

Nearly four in five individuals (78%) who currently work with or plan to work with a paid financial advisor say they would be likely to switch to another paid advisor if theirs couldn’t help them maximize their Social Security benefits.

Taxes are another key area of concern: more than 7 in 10 (73%) want to learn about how Social Security is taxed, as 54% admit they didn’t account for the impact of tax rates on their retirement income and 58% say they’re afraid of how taxes could affect their financial futures.

The message to financial advisors is simple: prioritize discussions about Social Security and post-retirement taxes early.

“This year’s survey makes one thing clear: confidence doesn’t always equal preparedness,” added Ambrozy. “Too many Americans are navigating retirement decisions with limited understanding of how Social Security actually works—at a time when benefits are under pressure and the system itself is growing more difficult to manage. The good news is that people are open to learning and taking action. Financial professionals have an opportunity—and a responsibility—to step in, close these knowledge gaps, and help Americans make the most of the benefits they’ve earned.”

Nationwide offers a variety of resources to help. The Nationwide Social Security 360 Analyzer® can help financial professionals assess a client’s goals to better advise on the optimal time to claim Social Security. To learn how to optimize Social Security benefits, visit www.Nationwide.com/SocialSecurity. Financial professionals can visit www.Nationwide.com/SimplifySocialSecurity.

For more insights on this survey data, see the Advisor Advocate Blog or view this infographic.

Methodology

The research was conducted online in the U.S. by The Harris Poll on behalf of Nationwide among 1,812 adults age 18+ who currently receive or expect to receive Social Security (“national sample”), including 301 Gen Z (age 18-28), 504 millennials (age 29-44), 505 Gen Xers (age 45-60), and 502 Boomers+ (age 61+).  The survey was conducted June 2-17, 2025.

Data are weighted where necessary by age by gender, race/ethnicity, region, education, marital status, household size, household income, and smoking status 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.

Respondents for this survey were selected from among those who have 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 + 3.0 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.

About The Harris Poll

The Harris Poll is one of the longest running surveys in the U.S. tracking public opinion, motivations and social sentiment since 1963 and is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

Ziya, a Belgian Malinois from northern California, who found himself in the middle of a real-life bullfight (minus the red cape), has captured the 17^th annual Hambone Award® which recognizes the most unusual pet insurance claim of the year. Nationwide® presents the award annually to bring awareness to the unexpected and downright outrageous events that can happen to our pets—demonstrating how pet insurance plays an important role in protecting and caring for our companions.  

Ziya was adopted by a longtime dog lover named Tim. This unique pup was training to be a working dog, but his personality was better suited for companionship. Ziya quickly settled into his new role as protector of Tim’s 80-acre property, showing off his tracking skills and ever watchful nature.  

This story begins on a quiet morning, when a routine stroll with his pet parents took a wild turn. Out of the misty fog came an unexpected guest: a loose, angry bull. Without hesitation Ziya leapt into action placing himself between the bull and his owners. While his owners escaped to safety, the bull struck Ziya in the jaw, dislodging a tooth and sending him to the emergency vet. Thanks to expert veterinary care, Ziya made a full recovery and now hopes that future walks will not involve horned adversaries. “Tim’s bond with Ziya enabled them to take turns caring for each other when a bull unexpectedly joined their morning walk,” said Dr. Emily M. Tincher, Chief Veterinary Officer at Nationwide. “Thanks to the care provided by Ziya’s veterinary team and the protection provided by Nationwide pet insurance, this story of unexpected trauma has a happy ending!”  

Nationwide hosted a public vote August 5-12, 2025 to determine the most unusual pet insurance claim story and two runners-up from a field of 10 finalists. Ziya and Tim received the coveted Hambone Award trophy and a Petco gift card, the runners up will also receive Petco gift cards.  

The runners-up were:  

• Duke, a lab-mix from Ohio, who swallowed an entire spatula head after licking off some peanut butter while he was staying at his dog sitter’s house. 

• Foxtrot, a Great Dane in Texas, stole a full turkey leg straight from the tongs in her owner’s hand the day after Thanksgiving—and swallowed it whole.  

The Hambone Award was originally named after a Nationwide-insured dog who got stuck in a refrigerator and ate an entire holiday ham while waiting to be discovered. The dog was eventually found, with a licked-clean ham bone and a mild case of hypothermia. Check out the stories of all ten 2025 nominees.  

All nominated pets have recovered and received reimbursements for eligible veterinary expenses from Nationwide® pet insurance.  

To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.com.  

Nationwide intends to transfer the underwriting and management of all renewal policy opportunities included in the transaction – currently $1.2 billion in premium – to Ryan Re Underwriting Managers, a managing general underwriter specializing in reinsurance and part of Ryan Specialty (NYSE: RYAN).

“This acquisition accelerates Nationwide’s reinsurance growth and deepens our strategic alliance with Ryan Specialty, through Ryan Re, established in 2019,” said Nationwide CEO Kirt Walker. “Together, we’ve built a strong foundation in specialty reinsurance. This transaction builds on that momentum and broadens the range of opportunities we can bring to market.”

“These renewal rights create new opportunities to grow and diversify our reinsurance portfolio while adding specialized talent to Ryan Re’s team,” said Mark Berven, President of Property & Casualty at Nationwide. “We’re ready to provide Markel’s clients with the solutions and service they’ve come to expect, while delivering new value for broker partners.”

Transaction terms have not been publicly disclosed.

The Hambone Award was originally named after a Nationwide-insured dog who got stuck in a refrigerator and ate an entire holiday ham while waiting to be discovered. The dog was eventually found, with a licked-clean ham bone and a mild case of hypothermia. 

This year’s class of nominees braved everything from groundhog run-ins and bug buffets to bull brawls—while others snacked on flower bouquets, tech gadgets, and even a taxidermy reptile. Voting for this year’s most unusual pet insurance claim is underway now through Aug. 12, 2025, at petinsurance.com/hamboneaward. Results will be shared on August 19, 2024.  

Meet the 2025 Hambone Award finalists

• Ziya, a Belgian Malinois from California, found himself in the middle of a real-life bull  fight (minus the red cape) on a foggy Bay Area morning. He bravely leapt in to protect his human companions from a loose angry bull, leading to a kick to the jaw, dislodging a tooth. Thanks to expert veterinary care, Ziya made a full recovery—and now hopes that walks will avoid unexpected cattle guests.
• Wash, a mixed-breed dog from Tennessee, couldn’t resist the cicadas that emerged in his yard one summer. His crunchy bug binge led to a smelly situation and a sudden loss of appetite. A veterinary visit and switch to a more bland diet later, Wash made a full recovery—and is working on sticking to more conventional snacks.
• Salem, a shorthair cat from New York, was suspected of swallowing an AirPod that mysteriously vanished. After musical tests, a wild goose chase with Find My iPhone, and two veterinary visits, the mystery remains unsolved. No AirPod was ever found, but Salem walked away healthy and ready to rock.
• Ozi, a Yorkie from California, took channel surfing to a new extreme by chewing the TV remote control to bits while his humans were away. When one battery turned up mangled and the other went missing, a panicked trip to the emergency vet followed. Thankfully, both batteries were later found (under the couch!), and Ozi made a full recovery—though he’s now banned from binge-watching unsupervised.
• Maddie, a Bulldog in Virginia, mysteriously fell ill—until she began spitting up strange objects that looked like bones. The culprit? A preserved alligator that had vanished from the house. Nationwide’s VetHelpline® warned of potential toxic chemicals in taxidermy, prompting an urgent veterinary visit. Maddie made a full recovery and the family now keeps exotic décor out of paws’ reach.
• Hazel, a Dane-St. Bernard mix-breed from New Jersey, had been eyeing a mysterious hole in the yard for days. When she finally pounced, it turned out to be a groundhog’s front door. A trail of tiny blood spots later revealed a bite on her paw. Fortunately, Hazel bounced back quickly.
• Foxtrot, a Great Dane in Texas, stole a full turkey leg straight from the tongs in her owner’s hands the day after Thanksgiving—and swallowed it whole. Though she seemed fine, a call to Nationwide’s VetHelpline® confirmed the bone needed to be removed. Thanks to swift action, Foxtrot made a full recovery and now keeps her kitchen heists to a minimum.
• Duke, a lab-mix from Ohio, was staying with his favorite dog sitter when he swallowed an entire spatula head after licking off some peanut butter. This didn’t stop him from continuing to play and having a good time. Nationwide’s VetHelpline® advised his pet parents to get him to a veterinary practice for x-rays, which revealed the utensil in his stomach, leading to an endoscopy. Soon he was back to his usual self—now sticking to peanut butter without the hardware.
• Boone, a Golden Retriever in New Jersey, snatched a hot piece of grilled chicken and immediately began choking on the bone—while also suffering burns to his mouth. Thanks to his pet parent’s quick reflexes and a visit to the veterinarian, Boone made a full recovery from his BBQ blunder.
• Bella, a Havanese pup from Illinois, turned a simple bouquet into a floral fiasco. After sampling the colorful arrangement, she ended up covered in green, blue, and yellow pollen— with a very upset stomach. A veterinary visit (and a photo of the flowers) helped ensure her recovery.

All nominated pets have made full recoveries and received reimbursements for eligible veterinary expenses from Nationwide^® pet insurance. For full stories, photos of the nominees, and to cast your vote between August 5-12, 2025, visit petinsurance.com/hamboneaward

"Pets always find new ways to surprise us! The Hambone Award shines a light on those unpredictable moments and the amazing teams who help pets recover,” said Dr. Emily M. Tincher, Chief Veterinary Officer at Nationwide. “We’re proud to support the pet families and veterinary teams who turn these unexpected adventures into stories of recovery and relief.”

The grand prize winner will receive the coveted Hambone Award trophy and a Petco gift card. Two runners-up will also receive Petco gift cards.

To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.com.

New York - The National Women’s Soccer League (NWSL) announced today the schedule of Appreciation Matches and related activities that celebrate the 14 club nominees for the 2025 Lauren Holiday Impact Award, presented by Nationwide.

The philanthropic work of the nominees and the respective partnerships with their chosen charities will be highlighted during the matches below. New for this year’s Appreciation Matches, each nominee will wear a commemorative armband bearing the silhouette of award namesake, Lauren Holiday.

Each of the designated community partners will receive a $5,000 donation, courtesy of Nationwide.

During Championship week in November, one of this year’s nominees will be announced as the 2025 Lauren Holiday Impact Award winner. At that time, Nationwide will make a $50,000 donation to the charitable organization of the winner’s choice.

Fan Impact Challenge & Sweepstakes
Fans are invited to show support for their favorite nominee through the Fan Impact Challenge. The competition will be hosted on nwslsoccer.com from August 15-30. The nominee with the most fan engagement will be announced as winner of the Fan Impact Challenge and the charitable organization of that player’s choice will receive an additional $10,000 donation from Nationwide.    

A new enhancement to the Fan Impact Challenge is a sweepstakes where one randomly selected fan, among those who voted for the winning nominee, will receive a jersey from the team of their choosing.

For more information about the Lauren Holiday Impact Award, presented by Nationwide, visit nwslsoccer.com-impact.

About NWSL
The National Women’s Soccer League is the premier women’s professional soccer league in the world featuring national team players from around the globe. The clubs are Angel City FC, Bay FC, Boston Legacy FC, Chicago Stars FC, Denver FC, Houston Dash, Kansas City Current, Gotham FC, North Carolina Courage, Orlando Pride, Portland Thorns FC, Racing Louisville FC, San Diego Wave FC, Seattle Reign FC, Utah Royals FC, and Washington Spirit.