Nationwide
A Columbus-based mutual insurance and financial-services organization with annuities, life insurance, retirement plans, mutual funds, and broad personal and business insurance lines.
Financial strength
A+
AM Best
A+
S&P Global
A1
Moody's
A+ / A+ / A1 rated
Nationwide publishes A+ from S&P, A+ from AM Best, and A1 from Moody's for its life and annuity companies.
Modern mutual
Nationwide describes its operating model as a modern mutual built for long-term stability and customer value.
Columbus
Nationwide identifies Columbus, Ohio, and One Nationwide Plaza as its home office location.
Founded 1926
Nationwide traces its first policy to Farm Bureau Mutual Automobile Insurance Company in 1926.
Retirement Institute
Nationwide Retirement Institute provides retirement, Social Security, Medicare, tax, and planning resources.
Run live numbers on Nationwide products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Stable Income Annuity
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
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Explore Nationwide products
Nationwide’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
New Heights Select 8 (1-year)
An 8-year accumulation-focused fixed indexed annuity from an A+-rated carrier, with a premium bonus, a wide free-withdrawal allowance, and proprietary spread-credited index strategies in place of standard cap-rate exposure.
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
New Heights Select 8 (2-year)
An 8-year accumulation-focused fixed indexed annuity from an A+-rated carrier, with a premium bonus, a wide free-withdrawal allowance, and proprietary spread-credited index strategies in place of standard cap-rate exposure.
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
New Heights Select 9 (1-year)
A 9-year accumulation-focused fixed indexed annuity from an A+-rated carrier featuring a premium bonus, a surrender-period free-withdrawal allowance, and proprietary spread-credited index strategies.
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
New Heights Select 9 (3-year)
A 9-year accumulation-focused fixed indexed annuity from an A+-rated carrier featuring a premium bonus, a surrender-period free-withdrawal allowance, and proprietary spread-credited index strategies.
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
New Heights Select 10
A 10-year accumulation-focused fixed indexed annuity from an A+-rated carrier with a premium bonus, a wide free-withdrawal allowance, and proprietary spread-credited index strategies.
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
New Heights Select 10 (1-year)
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
New Heights Select 12 (1-year)
A 12-year accumulation-focused fixed indexed annuity from an A+-rated carrier with a premium-bonus design, a wide free-withdrawal allowance, and proprietary spread-credited index strategies.
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
New Heights Select 12 (3-year)
A 12-year accumulation-focused fixed indexed annuity from an A+-rated carrier with a premium-bonus design, a wide free-withdrawal allowance, and proprietary spread-credited index strategies.
S&P 500 annual cap
Index cap rate varies by state and strategy — view product for live rates.
Peak (1-year)
An A+-rated 7-year accumulation-focused fixed indexed annuity from Nationwide with annual point-to-point cap exposure on the S&P 500 plus three proprietary volatility-controlled index strategies, with a six-figure premium minimum.
S&P 500 annual point-to-point cap
7.65%
Peak 5 (1-year)
An A+-rated 5-year accumulation-focused fixed indexed annuity from Nationwide with S&P 500 annual point-to-point cap exposure plus three proprietary volatility-controlled index strategies, with a six-figure premium minimum.
S&P 500 annual point-to-point cap
7.4%
Peak 5 A (1-year)
An A+-rated 5-year accumulation-focused fixed indexed annuity from Nationwide with S&P 500 and MSCI EAFE annual point-to-point cap exposure, a narrower strategy menu than the base Peak 5, and a six-figure premium minimum.
S&P 500 annual point-to-point cap
7.4%
Peak® 10 (1-year)
An A+-rated 10-year accumulation-focused fixed indexed annuity from Nationwide with annual point-to-point cap exposure on the S&P 500 plus four proprietary volatility-controlled index strategies, with a six-figure premium minimum.
S&P 500 annual point-to-point cap
6.25%
Summit (1-year)
An A+-rated 7-year accumulation-focused fixed indexed annuity from Nationwide with S&P 500 and J.P. Morgan Mozaic II annual point-to-point cap exposure, a compact strategy menu, and a six-figure premium minimum.
S&P 500 annual point-to-point cap
7.6%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-26. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Compare Nationwide's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the retirement job, then open the live Nationwide product page that matches it. Rates, riders, caps, and state terms stay tied to CANNEX-backed detail.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
4.98%
10-yr illustration
Income-base roll-up
1%
compound, up to 10 yrs
Annual fee
0.95%
benefit charge
Premium
$100,000
Income base · yr 10
$110,462
Annual lifetime income
$5,501
Simplified illustration using this income option’s current compound income-base roll-up over 10 years, then its 4.98% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What Nationwide is
Nationwide describes itself as a Fortune 100 company offering insurance and financial services across the country, including annuities, mutual funds, retirement plans, and specialty health services.
Checked 2026-06-18 · Nationwide home page
Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company issue life and annuity products from Columbus, Ohio, within the broader Nationwide group.
Checked 2026-06-18 · Nationwide annuities page disclosure
Nationwide presents its current product platform across annuities, life insurance, retirement solutions, group benefits, institutional life, investment management, commercial lines, personal lines, and agribusiness.
As of 2025 Annual Report · Nationwide 2025 Annual Report products and rankings
Scale, labeled
Total assets
$359.8B
Nationwide-published total assets figure.
As of 2025-12-31 · Nationwide 2025 Annual Report strength and stability
Total sales and premiums
$73.2B
Nationwide-published 2025 total sales and premiums figure.
As of 2025-12-31 · Nationwide 2025 Annual Report strength and stability
Net operating income
$4.3B
Nationwide-published 2025 net operating income figure.
Year ended 2025 · Nationwide financial information
Total adjusted capital
$32.8B
Nationwide-published total adjusted capital figure for 2025.
As of 2025-12-31 · Nationwide 2025 Annual Report strength and stability
History highlights
Nationwide, then Farm Bureau Mutual Automobile Insurance Company, sold its first policy in 1926.
Founded 1926 · Nationwide corporate history
The company adopted the Nationwide Mutual name in 1955 as it moved from regional farm-bureau roots toward a national protection company.
1955 milestone · Nationwide corporate history
Nationwide added life insurance and annuities in the 1930s and now lists annuities and retirement solutions inside a much broader financial-services platform.
Checked 2026-06-18 · Nationwide corporate history; 2025 Annual Report products and rankings
Mutual ownership and member focus
Nationwide says it grew from a small mutual auto insurer owned by policyholders into a national insurance and financial-services company.
Checked 2026-06-18 · Nationwide corporate history
Nationwide Mutual acquired the outstanding public shares of Nationwide Financial in 2008, bringing the enterprise back under mutual structure and policyholder ownership.
2008 milestone · Nationwide corporate history
Nationwide's 2025 Annual Report frames modern mutuality as a long-term operating approach supported by diversification, risk management, and customer value.
As of 2025 Annual Report · Nationwide 2025 Annual Report
Financial strength
AM Best
CurrentA+
Superior financial-strength rating for Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company; ARHQ reconciles this row with the live CANNEX AM Best value at render.
Shown in 2025 Annual Report; live CANNEX value at render
Nationwide 2025 Annual Report; CANNEX ratings feed · current rating check
S&P Global
A+
Strong financial-strength rating for Nationwide Mutual, Nationwide Life Insurance Company, and Nationwide Life and Annuity Insurance Company.
Affirmed 04/12/2025
Moody's
A1
Good financial-strength rating shown for Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company.
Shown in 2025 Annual Report
What makes Nationwide different
Modern mutual structure
Nationwide presents mutual ownership as a long-term stability advantage and ties its current strategy to customer value rather than outside-shareholder ownership.
As of 2025 Annual Report · Nationwide 2025 Annual Report
Broad financial-services platform
The company spans personal insurance, business insurance, life insurance, annuities, retirement plans, mutual funds, institutional life, and investment-management offerings.
Checked 2026-06-18 · Nationwide home page; Nationwide 2025 Annual Report products and rankings
Retirement Institute ecosystem
Nationwide Retirement Institute supports retirement savings and income, health care costs, Medicare, long-term care, Social Security, tax-efficient income, and estate-planning education.
Checked 2026-06-18 · Nationwide Retirement Institute
FIA, RILA, fixed, and income breadth
Nationwide markets fixed indexed annuities, registered index-linked annuities, fixed annuities, variable annuities, and immediate annuities, while ARHQ shows only products present in live data and mapped product pages.
At render for ARHQ catalog · Nationwide annuities page; Nationwide fixed indexed annuities page; ARHQ CANNEX-backed catalog
About Nationwide
Nationwide is headquartered in Columbus, Ohio, and operates as a mutual insurance and financial-services organization. Its annuity platform sits inside a broader company that also serves personal insurance, business insurance, life insurance, retirement plans, mutual funds, institutional life, and investment-management markets.
Checked 2026-06-18 · Nationwide home page; Nationwide 2025 Annual Report products and rankings
Nationwide fixed indexed annuities are framed around principal protection, index-linked growth potential, and optional rider features; its RILA materials frame registered index-linked annuities around growth potential with defined downside protection choices.
Checked 2026-06-18 · Nationwide fixed indexed annuities page; Nationwide registered index-linked annuities page
On ARHQ, Nationwide product cards and the analyzer are intentionally live-data driven: this profile supplies story and context, while product availability, rates, riders, caps, guaranteed terms, and review links come from CANNEX-backed feeds and mapped product pages.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get Nationwide's current rate report
Compare Nationwide's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Nationwide home page — Checked 2026-06-18
- Nationwide About page — Checked 2026-06-18
- Nationwide corporate history — Checked 2026-06-18
- Nationwide Company Ratings page — Checked 2026-06-18
- Nationwide 2025 Annual Report strength and stability — As of 2025-12-31
- Nationwide financial information — As of 2025-12-31
- Nationwide 2025 Annual Report products and rankings — As of 2025 Annual Report
- Nationwide annuities page — Checked 2026-06-18
- Nationwide fixed indexed annuities page — Checked 2026-06-18
- Nationwide registered index-linked annuities page — Checked 2026-06-18
- Nationwide retirement plans page — Checked 2026-06-18
- Nationwide Retirement Institute — Checked 2026-06-18
- ARHQ CANNEX-backed product catalog and mapped product pages — At render