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Nationwide Life Insurance Company
10%
Free W/D
50
Jurisdictions
Product data status: June 6, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Live product data
Rates as of June 6, 2026, based on the latest AdvisorWorld scan of CANNEX data.
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.
Best fit
Long-deferral accumulation buyers who want a premium bonus and ample free-withdrawal flexibility, and are comfortable with spread-credited proprietary strategies in place of cap-led S&P 500 exposure.
AM Best
A+ Superior
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Caps, participation rates, and declared rates are shown separately.
Product analyst notes
Not ideal for
Buyers who want a standard S&P 500 annual point-to-point cap for cross-product comparison, anyone needing built-in lifetime income, or buyers who cannot tie capital up across the full 10-year surrender period.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Spread: 75% · 1-yr
Strategy A
Strategy A
Spread: 0% · 1-yr
Strategy B
Strategy B
Spread: 75% · 2-yr
Strategy A
Strategy A
Spread: 0% · 2-yr
Strategy B
Strategy B
Accumulation-focused — no income rider
This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, RMD waiver, Terminal illness waiver
Bonus terms can vary by state, premium band, and rider election.
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Maximum spread: 6.95%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Surrender schedule not available for this product
A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.
product guide
Direct link not published — request the document from the carrier.
Crediting design
New Heights Select 10 currently shows 4 indexed or fixed crediting options, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as FAM-1126AO_NH_Select10_Product_Profile.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
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