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Fixed Indexed Annuity

New Heights Select 8 — Nationwide

Name: New Heights Select 8
Brand: Nationwide

Nationwide

Review product terms

Available jurisdictions

Product data status: October 2, 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.

Product terms

Review New Heights Select 8 terms

Review published terms and liquidity information. Growth and income illustrations are unavailable for unmodeled crediting selections. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer

Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Review the published strategy details and any available component rates below. A full strategy illustration is unavailable because the available terms do not establish how those components combine.

Compare other fixed indexed annuities

A complete illustration for New Heights Select 8 is unavailable. Review this product’s published terms or explore other fixed indexed annuities.

Explore other products

rate data

Review product details for New Heights Select 8

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

Composite crediting

A 8-year fixed indexed annuity with combined crediting components and optional High Point lifetime income riders, subject to contract and state availability.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Buyers able to commit funds through a 8-year surrender period and review accumulation terms and optional lifetime income benefits separately.

AM Best

A+ Superior

Surrender period

8 years

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Component facts grouped by contract option.

View rate listings (9 of 128 strategy and component listings)

A selection of published options is shown here. The full crediting-strategy list below includes all available options and filters.

Each option below groups its linked index and fixed components. Published factors describe parts of the option, not its complete return.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 0.75%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 0.75%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 1.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Showing 9 of 128 rate listings in this view.

Lifetime Income Riders

Income rider

High Point 365 Select

RMD friendly

Lifetime payout rate8.46% lifetime payout

Annual rider fee0.95% annual rider fee

Guaranteed roll-up1%/yr · compound · for up to 10 years

Income rider

High Point 365 Select with Bonus

RMD friendly

Lifetime payout rate5.15% lifetime payout

Annual rider fee1.1% annual rider fee

Guaranteed roll-up10%/yr · compound · for up to 12 years

Product analyst notes

How to think about this contract

Why it can stand out

The carrier describes strategy earnings using an index component and a declared component, followed by annualization, the strategy spread, and a zero floor before rider charges.
Optional High Point 365 Select lifetime income riders include a separate bonus design. Availability and charges depend on the contract and rider selected.
The carrier disclosure describes a death benefit based on the greater of Daily Accumulation Value or surrender value, subject to the contract terms.

What to confirm

Component rates are not standalone strategy returns. A full strategy illustration is unavailable until their contractual combination is established.
Electing a lifetime income rider can change the crediting factors. Rider charges and withdrawals affect values; an income benefit value is not cash available for surrender.
The product has a 8-year surrender period. Withdrawals beyond the permitted amount may incur surrender charges and a market value adjustment where applicable.
State, rider election, issue date, and contract version must match the quoted terms. Published historical examples do not establish current values.

Not ideal for

Buyers needing short-term access to all funds or a simple standalone rate that can be compared without the complete strategy and rider terms.

Compare other fixed indexed annuities

A complete illustration for New Heights Select 8 is unavailable. Review this product’s published terms or explore other fixed indexed annuities.

Explore other products

All crediting strategies

View rate listings (128 strategy and component listings)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Each option below groups its linked index and fixed components. Published factors describe parts of the option, not its complete return.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 0.75%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 0.75%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 1.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 1.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 0.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 0.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 0.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

1-year term · Income-rider applicability not specified

Strategy spread: 1.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 0.75%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 1.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 0.75%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 1.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 0.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 0.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 0.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy A

2-year term · Income-rider applicability not specified

Strategy spread: 1.95%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy A
Strategy A
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Goldman Sachs New Horizons Index · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 125%
Strategy spread: 0.75%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Goldman Sachs New Horizons Index · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 180%
Strategy spread: 0.75%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

GS American Funds GFA 15% Index · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 50%
Strategy spread: 0.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

GS American Funds GFA 15% Index · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 70%
Strategy spread: 0.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Discovery Index · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 65%
Strategy spread: 0.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Discovery Index · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 95%
Strategy spread: 0.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Nasdaq-100 Volatility Control 10% PR Index · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 50%
Strategy spread: 1.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Nasdaq-100 Volatility Control 10% PR Index · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 65%
Strategy spread: 1.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 50%
Strategy spread: 0.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 70%
Strategy spread: 0.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Index · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 45%
Strategy spread: 1.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Index · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 55%
Strategy spread: 1.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

SG Macro Compass Index · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 100%
Strategy spread: 0.75%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

SG Macro Compass Index · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 130%
Strategy spread: 0.75%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

The Growth Fund of America - Class F-3 · Strategy A

1-year term · Income-rider applicability not specified

Index allocation: 30%
Strategy spread: 1.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

The Growth Fund of America - Class F-3 · Strategy A

2-year term · Income-rider applicability not specified

Index allocation: 35%
Strategy spread: 1.95%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

1-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Strategy B

2-year term · Income-rider applicability not specified

Strategy spread: 0%
Source fixed-component quote: 0.1%
Declared-rate allocation: Not provided by this feed
Carrier declared rate: Not provided by this feed

Rate effective Aug 1, 2026

The source fixed-component quote is a separate field within “Declared Rate Allocation”; it is not the carrier’s declared rate or its allocation percentage.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Strategy B
Strategy B
Declared Rate Allocation · Reported percentage bounds: 0–0%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Goldman Sachs New Horizons Index · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 110%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Goldman Sachs New Horizons Index · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 160%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

GS American Funds GFA 15% Index · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 40%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

GS American Funds GFA 15% Index · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 60%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Discovery Index · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 55%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Discovery Index · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 75%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Nasdaq-100 Volatility Control 10% PR Index · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 30%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

Nasdaq-100 Volatility Control 10% PR Index · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 40%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 40%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 60%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Index · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 30%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Index · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 35%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

SG Macro Compass Index · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 90%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

SG Macro Compass Index · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 115%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

The Growth Fund of America - Class F-3 · Strategy B

1-year term · Income-rider applicability not specified

Index allocation: 25%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

8-year surrender period. Confirm contract terms and rider charges before purchase.

The Growth Fund of America - Class F-3 · Strategy B

2-year term · Income-rider applicability not specified

Index allocation: 25%
Strategy spread: 0%

Rate effective Aug 1, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details

Index Allocation · Reported percentage bounds: 100–100%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

Free benefits, liquidity, and costs3/5

Transparency and service4/5

CFA take

“In my view, the Nationwide New Heights Select is one of the more feature-rich FIAs in the market, particularly for investors who value flexibility around income planning and active contract monitoring. The product differentiates itself through features like Daily Accumulation Value (DAV) tracking, optional lock-in of gains, and earnings capture on withdrawals — features that are not commonly available in traditional FIAs. That said, the product can feel somewhat complex, especially for investors who prefer simpler annuity structures. While the optional income riders are relatively strong, the rider costs are slightly above industry averages, and the S&P 500 participation terms are less competitive than what some peers currently offer. Additionally, most of the proprietary indices employ volatility-control mechanisms, which help stabilize returns but can also limit upside potential during strong bull markets. Overall, I would view Nationwide New Heights Select as a solid fit for retirees seeking a more interactive, feature-heavy FIA with strong income planning flexibility, rather than a straightforward accumulation-focused annuity.”

Nikhil Bhauwala

Common questions about New Heights Select 8

● Can I project accumulation for New Heights Select 8 with the rates shown?

The available data does not support a standalone accumulation projection for this selection. Published portfolio components and contract terms remain listed on this page. Confirm the complete allocation and current crediting terms with the carrier.

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

Published rider terms are listed on this page. A complete crediting and income-benefit calculation is not established for this selection, so the analyzer does not produce an income illustration. Confirm the applicable rider terms and charges with the carrier.

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

The scheduled surrender charges run 8 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.

Key Features

Free withdrawal

7%/yr

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

Surrender waivers

Nursing home waiver, RMD waiver, Terminal illness waiver

Premium bonus

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%

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

Yr 8

After

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

product guide

FAM-1127AO_NH_Select8_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 8 currently shows 128 published rate entries, including components that cannot be modeled as standalone crediting choices, including S&P 500 Index, with 44 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.

S&P 500 Index: source component; complete strategy calculation unavailable

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.

8.46% withdrawal rate
0.95% rider fee
10 deferral years
RMD friendly
Joint life availability

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.

8 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-1127AO_NH_Select8_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

Compare other fixed indexed annuities

A complete illustration for New Heights Select 8 is unavailable. Review this product’s published terms or explore other fixed indexed annuities.

Explore other products

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