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Nationwide Life Insurance Company
10%
Free W/D
49
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 5, 2026, based on the latest AdvisorWorld scan of CANNEX data.
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.
Best fit
Buyers committed to an 8-year deferral who want a premium bonus and a wide free-withdrawal allowance, and are comfortable with spread-credited proprietary strategies rather than cap-led S&P 500 exposure.
AM Best
A+ Superior
Surrender period
8 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. California, New York)
Caps, participation rates, and declared rates are shown separately.
Income rider
Product analyst notes
Not ideal for
Buyers who want a straightforward S&P 500 annual point-to-point cap to compare against other FIAs, anyone who needs lifetime income from a built-in rider, or buyers who can't lock funds up for the full 8-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: 95% · 1-yr
Strategy A
Strategy A · unknown
Spread: 0% · 1-yr
Strategy B
Strategy B · unknown
Spread: 95% · 2-yr
Strategy A
Strategy A · unknown
Spread: 0% · 2-yr
Strategy B
Strategy B · unknown
Spread: 95% · 1-yr
Strategy A
Strategy A
Spread: 0% · 1-yr
Strategy B
Strategy B
Spread: 95% · 2-yr
Strategy A
Strategy A
Spread: 0% · 2-yr
Strategy B
Strategy B
Income rider
GLWB
Linked review
Learn about the features, rates, and costs of Nationwide New Heights Select Fixed Indexed Annuity, a retirement product offering growth and protection
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.”
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.
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
product guide
Direct link not published — request the document from the carrier.
Crediting design
New Heights Select 8 currently shows 4 distinct indexed or fixed crediting choices across 8 current rate listings, 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.
Income rider language
High Point 365 Select is the main income-rider entry returned 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.
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-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.
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