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Fixed Indexed Annuity

New Heights Select 12

Nationwide

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7%

Free W/D

26

Available jurisdictions

Product data status: August 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.

Model this product

See what New Heights Select 12 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of August 6, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$139,079
Est. value at age 80 (New Heights Select 12)
5%
Premium bonus offered
Strategy A — 0.75% Spread (3-yr point-to-point)
✦
How crediting works: the spread is subtracted from positive index returns; a down year credits 0%, never a loss. A spread strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies New Heights Select 12's published spread rate (0.75% on Strategy A) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 3-year credits are applied only at completed term anniversaries. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $5,000 premium bonus (5%) = $105,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of August 6, 2026.

Free Comparison Report

Get a New Heights Select 12 rate report

See how New Heights Select 12 compares for your age, state, premium, and income goals alongside other Nationwide fixed indexed annuity options.

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rate data

Run numbers for New Heights Select 12

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Nationwide product.

Live product data

Rates as of August 6, 2026, from AdvisorWorld and CANNEX.

Spread-credited strategy

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.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Buyers willing to commit to the longest deferral in the New Heights Select lineup in exchange for a richer premium bonus, comfortable with spread-credited proprietary strategies instead of cap-led S&P 500 exposure.

AM Best

A+ Superior

Surrender period

12 years

Free withdrawal

7%/yr

Availability

26 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

50% participation rate + 1.95% spread

Participation

1-year term · 12-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

35% participation rate + 0% spread

Participation

1-year term · 12-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

65% participation rate + 1.95% spread

Participation

3-year term · 12-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

45% participation rate + 0% spread

Participation

3-year term · 12-year surrender · Does not vary by premium

+ 32 additional crediting options (Strategy A, SG Macro, Strategy B...)

Lifetime Income Riders

Income rider

High Point 365 Select

Lifetime payout rate4.69% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up1%/yr

Income rider

High Point 365 Select with Bonus

Lifetime payout rate3.95% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up10%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus is part of the long-surrender FIA design, vested across the 12-year term so longer holders capture more of the bonus the longer they stay.
  • Free-withdrawal allowance from year one — meaningful penalty-free liquidity on the longest surrender variant in the New Heights Select lineup.
  • Major-carrier strength rated by all three principal agencies (A.M. Best A+, Moody's A1, S&P A+) — the strength view triangulates rather than depending on a single source.
  • Nursing-home, terminal-illness, and RMD surrender waivers are in the base contract — standard life-event liquidity escape hatches included without an extra rider.

What to confirm

  • Crediting is spread-based on proprietary 'Strategy A' / 'Strategy B' configurations, not cap-rate point-to-point on a recognizable index — not directly comparable to cap-led S&P 500 products on a headline cap.
  • The contractually-allowed maximum spread is high, so the carrier retains wide latitude to widen the spread at renewal and reduce net credits below what was modeled at issue.
  • The 12-year surrender schedule starts steep and stays meaningfully positive for the full term — partial liquidity outside the free-withdrawal allowance is constrained for over a decade.
  • Death benefit is Return of Premium — heirs get premium back, not ongoing account growth, which is a plain feature for a 12-year contract.
  • Filed in a restricted set of jurisdictions — confirm availability in your state on the page's state-availability section before assuming this contract is open to new contracts where you live.

Not ideal for

Buyers who want a standard S&P 500 annual point-to-point cap to compare, anyone needing built-in lifetime income from a rider, or anyone who cannot tie capital up across a 12-year surrender period.

Free Comparison Report

Get a New Heights Select 12 rate report

See how New Heights Select 12 compares for your age, state, premium, and income goals alongside other Nationwide fixed indexed annuity options.

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All crediting strategies

View rate listings (40 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 140% + Spread: 0.75% · 1-yr

Goldman Sachs New Horizons Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 130% + Spread: 0.75% · 1-yr

NYSE Zebra Edge II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 125% + Spread: 0% · 1-yr

Goldman Sachs New Horizons Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 115% + Spread: 0.75% · 1-yr

J.P. Morgan Mozaic II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 115% + Spread: 0% · 1-yr

NYSE Zebra Edge II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 110% + Spread: 0.75% · 1-yr

SG Macro Compass Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

SG Macro Compass Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

J.P. Morgan Mozaic II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 50% + Spread: 1.95% · 1-yr

S&P 500 Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 35% + Spread: 0% · 1-yr

S&P 500 Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 80% + Spread: 0.95% · 1-yr

Loomis Sayles Discovery Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 70% + Spread: 0% · 1-yr

Loomis Sayles Discovery Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 45% + Spread: 1.95% · 1-yr

Nasdaq-100 Volatility Control 10% PR Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 30% + Spread: 0% · 1-yr

Nasdaq-100 Volatility Control 10% PR Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 260% + Spread: 0.75% · 3-yr

Goldman Sachs New Horizons Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 225% + Spread: 0% · 3-yr

Goldman Sachs New Horizons Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 215% + Spread: 0.75% · 3-yr

NYSE Zebra Edge II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 185% + Spread: 0.75% · 3-yr

J.P. Morgan Mozaic II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 185% + Spread: 0% · 3-yr

NYSE Zebra Edge II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 175% + Spread: 0.75% · 3-yr

SG Macro Compass Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 160% + Spread: 0% · 3-yr

J.P. Morgan Mozaic II Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 150% + Spread: 0% · 3-yr

SG Macro Compass Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 65% + Spread: 1.95% · 3-yr

S&P 500 Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 45% + Spread: 0% · 3-yr

S&P 500 Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 160% + Spread: 0.95% · 3-yr

Loomis Sayles Discovery Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 135% + Spread: 0% · 3-yr

Loomis Sayles Discovery Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 65% + Spread: 1.95% · 3-yr

Nasdaq-100 Volatility Control 10% PR Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Par: 50% + Spread: 0% · 3-yr

Nasdaq-100 Volatility Control 10% PR Index

Index Allocation — 100% allocation · participation

12-yr surrenderDoes not vary by premium

Spread: 1.95% · 1-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0.75% · 1-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0% · 1-yr

Strategy B

Strategy B · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 1.95% · 1-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0.95% · 1-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0% · 1-yr

Strategy B

Strategy B · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 1.95% · 3-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0.75% · 3-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0% · 3-yr

Strategy B

Strategy B · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 1.95% · 3-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0.95% · 3-yr

Strategy A

Strategy A · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Spread: 0% · 3-yr

Strategy B

Strategy B · unknown

Selected state rate set (AL)12-yr surrenderDoes not vary by premium

Income riders

Income rider

High Point 365 Select

Lifetime withdrawal rate4.69%
Annual rider fee0.95%
Guaranteed roll-up1%/yr

GLWB

Income rider

High Point 365 Select with Bonus

Lifetime withdrawal rate3.95%
Annual rider fee1.1%
Guaranteed roll-up10%/yr

GLWB

Common questions about New Heights Select 12

● Can I lose money in New Heights Select 12?

A negative index return by itself does not reduce the contract's account value: New Heights Select 12 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 7% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the High Point 365 Select income rider worth the 0.95% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 1% roll-up and 4.69% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 7% of your account value each year is penalty-free. The scheduled surrender charges run 12 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do New Heights Select 12's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available New Heights Select 12 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

7%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Premium bonus

5%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

6.95%

Maximum spread: 6.95%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

10%

Yr 3

10%

Yr 4

10%

Yr 5

10%

Yr 6

9.5%

Yr 7

9%

Yr 8

8%

Yr 9

7%

Yr 10

6%

Yr 11

5%

Yr 12

4%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

FAM-1125AO_NH_Select12_Product_Profile.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

New Heights Select 12 currently shows 36 distinct indexed or fixed crediting choices across 40 displayed rate entries, including S&P 500 Index, with 32 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 50% annual participation rate, Index Allocation — 100% allocation
  • S&P 500 Index: 35% annual participation rate, Index Allocation — 100% allocation
  • S&P 500 Index: 65% 3-year participation rate, Index Allocation — 100% allocation
  • S&P 500 Index: 45% 3-year participation rate, Index Allocation — 100% allocation

Income rider language

What to look for before treating the rider as income

High Point 365 Select is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.69% withdrawal rate
  • 0.95% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

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.

  • 7%/yr free withdrawal
  • 12 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as FAM-1125AO_NH_Select12_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.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a New Heights Select 12 rate report

See how New Heights Select 12 compares for your age, state, premium, and income goals alongside other Nationwide fixed indexed annuity options.

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