New Heights Select 9
Nationwide Life Insurance Company
7%
Free W/D
50
States
A fixed indexed annuity that offers potential growth based on market index performance while protecting your principal from market declines. Designed for individuals seeking retirement income with growth potential and downside protection.
Free Withdrawal
7%/yr
Available In
50 states
Min Premium
$25,000
Surrender
9 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Goldman Sachs New Horizons Index | 3Y | -- | 195% | -- |
| Goldman Sachs New Horizons Index | Annual | -- | 125% | -- |
| J.P. Morgan Mozaic II Index | 3Y | -- | 155% | -- |
| J.P. Morgan Mozaic II Index | Annual | -- | 110% | -- |
| Loomis Sayles Discovery Index | 3Y | -- | 120% | -- |
| Loomis Sayles Discovery Index | Annual | -- | 70% | -- |
| Nasdaq-100 Volatility Control 10% PR Index | 3Y | -- | 60% | -- |
| Nasdaq-100 Volatility Control 10% PR Index | Annual | -- | 45% | -- |
| NYSE Zebra Edge II Index | 3Y | -- | 215% | -- |
| NYSE Zebra Edge II Index | Annual | -- | 120% | -- |
| SG Macro Compass Index | 3Y | -- | 135% | -- |
| SG Macro Compass Index | Annual | -- | 90% | -- |
| S&P 500 Index | 3Y | -- | 50% | -- |
| S&P 500 Index | Annual | -- | 30% | -- |
| Fixed Account | 3Y | -- | -- | -- |
| Fixed Account | Annual | -- | -- | 0.1% |
Key Features
Index-Based Growth
7 index options availableReturns are based on changes in market indices like the S&P 500, but you don't directly own stocks
Downside Protection
0% floor on negative index returnsIf the index declines, your contract value doesn't decrease—you're protected from negative returns
Flexible Withdrawals
0-10% free annually depending on yearAccess a percentage of your contract value each year without surrender charges
Lifetime Income Options
High Point 365 Select or with BonusOptional riders provide guaranteed income payments for life, even if contract value reaches zero
Enhanced Death Benefit
4% annual growth up to 200% of purchaseOptional rider ensures your heirs receive a guaranteed minimum or higher amount
Lock-In Feature
Once per term per strategy optionProtect gains by locking in favorable index values once per strategy term
9-Year Surrender Period
0% charge after year 9Charges gradually decrease as you hold the contract longer
Highlights
Growth potential tied to market indices without direct stock market risk
Protection from market downturns—contract value won't decline from negative index returns
Flexible lifetime income options through optional riders for retirement security
Multiple strategy options and index choices to customize your approach
Free withdrawals available each year (7-10% depending on contract year)
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
9%
Yr 4
9%
Yr 5
8%
Yr 6
7%
Yr 7
6%
Yr 8
5%
Yr 9
4%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals age 40-80 seeking retirement income with growth potential who want protection from market downturns and don't need immediate access to all their money.
Consider Alternatives If
Investors who need frequent access to their full account balance, as early withdrawals incur surrender charges and may trigger a 10% federal tax penalty before age 59½.
Carrier Ratings
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