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Fixed Indexed Annuity

New Heights Select 9

Nationwide Life Insurance Company

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7%

Free W/D

50

Jurisdictions

Product data status: June 28, 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 9 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 June 28, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$230,311
Est. value at age 80 (New Heights Select 9)
0%
Floor — index losses never reduce value
New Heights Select 9
✦
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 9's published spread rate (1.95% on Strategy A) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 28, 2026.

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See how New Heights Select 9 compares for your age, state, premium, and income goals alongside other Nationwide Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for New Heights Select 9

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

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Spread-credited strategy

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.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Long-deferral accumulation buyers attracted to the premium bonus and willing to use spread-credited proprietary strategies instead of cap-led S&P 500 exposure.

AM Best

A+ Superior

Surrender period

9 years

Free withdrawal

7%/yr during surrender

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

No benchmark annual cap qualifies for the headline, so this view shows the most useful current strategy rows returned by the live feed.

Index / strategyRate mechanics

Strategy A

Strategy A

95% spread

1-year term · 9-year surrender · Premium band not shown

Strategy A

Strategy A

95% spread

3-year term · 9-year surrender · Premium band not shown

Strategy A

Strategy A

95% spread

1-year term · Surrender term not shown · Premium band not shown

Strategy A

Strategy A

95% spread

3-year term · Surrender term not shown · Premium band not shown

+ 12 additional crediting options (Strategy A, Strategy B...)
View rate listings (16 rows)

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

9-yr surrender

Spread: 75% · 1-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 1.95% · 1-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 0% · 1-yr

Strategy B

Strategy B · unknown

9-yr surrender

Spread: 95% · 3-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 75% · 3-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 1.95% · 3-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 0% · 3-yr

Strategy B

Strategy B · unknown

9-yr surrender

Spread: 75% · 1-yr

Strategy A

Strategy A · AL

Spread: 1.95% · 1-yr

Strategy A

Strategy A · AL

Spread: 0% · 1-yr

Strategy B

Strategy B · AL

Spread: 95% · 1-yr

Strategy A

Strategy A · AL

Spread: 75% · 3-yr

Strategy A

Strategy A · AL

Spread: 1.95% · 3-yr

Strategy A

Strategy A · AL

Spread: 0% · 3-yr

Strategy B

Strategy B · AL

Spread: 95% · 3-yr

Strategy A

Strategy A · AL

Lifetime Income Riders

Income rider

High Point 365 Select

Lifetime payout rate4.77% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up1%/yr

Income rider

High Point 365 Select with Bonus

Lifetime payout rate4.6% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up7%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus is among the higher in-class for a 9-year surrender filing, vested across the 9-year term so longer holders capture more of it.
  • Annual free-withdrawal allowance applies during the surrender period, with broader access after the surrender window closes.
  • Triangulated financial-strength view — A.M. Best A+, Moody's A1, and S&P A+ from a major-carrier balance sheet, not a single-agency read.
  • Nursing-home, terminal-illness, and RMD surrender waivers are all in the base contract — the standard life-event liquidity escape hatches are included.

What to confirm

  • Crediting is spread-based on proprietary 'Strategy A' / 'Strategy B' configurations, not cap-rate point-to-point on a named index — not directly comparable to cap-led S&P 500 products on a headline number.
  • 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.
  • Death benefit is Return of Premium — heirs receive premium back rather than ongoing account-value growth, a notably plain feature for a long-surrender contract.
  • Surrender penalties run nine full years (no MVA on this filing) — partial liquidity outside the free-withdrawal allowance is heavily constrained for nearly a decade.

Not ideal for

Buyers who want a comparable S&P 500 annual point-to-point cap rate, anyone needing built-in lifetime income via a rider, or buyers who cannot tie capital up across a 9-year surrender period.

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See how New Heights Select 9 compares for your age, state, premium, and income goals alongside other Nationwide Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (16 rows)

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

9-yr surrender

Spread: 75% · 1-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 1.95% · 1-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 0% · 1-yr

Strategy B

Strategy B · unknown

9-yr surrender

Spread: 95% · 3-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 75% · 3-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 1.95% · 3-yr

Strategy A

Strategy A · unknown

9-yr surrender

Spread: 0% · 3-yr

Strategy B

Strategy B · unknown

9-yr surrender

Spread: 75% · 1-yr

Strategy A

Strategy A · AL

Spread: 1.95% · 1-yr

Strategy A

Strategy A · AL

Spread: 0% · 1-yr

Strategy B

Strategy B · AL

Spread: 95% · 1-yr

Strategy A

Strategy A · AL

Spread: 75% · 3-yr

Strategy A

Strategy A · AL

Spread: 1.95% · 3-yr

Strategy A

Strategy A · AL

Spread: 0% · 3-yr

Strategy B

Strategy B · AL

Spread: 95% · 3-yr

Strategy A

Strategy A · AL

Income riders

Income rider

High Point 365 Select

Lifetime withdrawal rate4.77%
Annual rider fee0.95%
Withdrawal-base growth1% roll-up

GLWB

Income rider

High Point 365 Select with Bonus

Lifetime withdrawal rate4.6%
Annual rider fee1.1%
Withdrawal-base growth7% roll-up

GLWB

Linked review

New Heights Select 9 review notes

Learn about the features, rates, and costs of Nationwide New Heights Select Fixed Indexed Annuity, a retirement product offering growth and protection

3.8/5Nationwide New Heights Select is best viewed as a feature-rich fixed indexed annuity for buyers who value Daily Accumulation Value tracking, optional lock-in, and rider-driven income planning. It is not the cleanest accumulation play: the index-crediting options rely on participation rates and spreads, and the contract asks buyers to accept a long surrender period. I would consider it for someone who wants the Nationwide chassis and optional income or death-benefit features, not for someone shopping purely for the highest simple index-crediting upside.Read review
Review rating details3.8/5
Financial strength5/5
Return potential3/5
Income and benefits4/5
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 9

● Can I lose money in New Heights Select 9?

In a year the index falls, New Heights Select 9 credits 0% — the floor — so your account value does not drop from market losses. 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 4.77% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How does New Heights Select 9 compare to other FIAs?

Use "Compare against" in the analyzer to overlay New Heights Select 9 with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

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

Death benefit

Death Benefit

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

Strategy guarantee

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

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.

Documents

product guide

FAM-1128AO.pdf

Confidence: highReviewed Apr 8, 2026

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

Carrier Ratings

AM BestA+
S&PA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

New Heights Select 9 currently shows 8 distinct indexed or fixed crediting choices across 112 current rate listings, with 8 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

What to look for before treating the rider as income

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.

  • 4.77% 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
  • 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-1128AO.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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

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See how New Heights Select 9 compares for your age, state, premium, and income goals alongside other Nationwide Life Insurance Company fixed indexed annuity options.

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