Fixed Indexed Annuity

New Heights Select 9

Name: New Heights Select 9
Brand: Nationwide

Nationwide

Available jurisdictions

Product data status: updated regularly

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 strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$142,332

Est. value at age 80 (New Heights Select 9)

Broad-market strategies

S&P 500 Index — 30% Participation (Strategy B · Annual)

✦

How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies New Heights Select 9's published participation rate (30% on S&P 500 Index) to a standard benchmark 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 September 4, 2026.

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See how New Heights Select 9 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 9

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

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

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

Caps, participation rates, and declared rates are shown separately.

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

45% participation rate + 1.95% spread

Participation

1-year term · 9-year surrender · Does not vary by premium

1-year term

9-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

30% participation rate + 0% spread

Participation

1-year term · 9-year surrender · Does not vary by premium

1-year term

9-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 · 9-year surrender · Does not vary by premium

3-year term

9-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

40% participation rate + 0% spread

Participation

3-year term · 9-year surrender · Does not vary by premium

3-year term

9-year surrender

Does not vary by premium

+ 36 additional crediting options (Index not, SG Macro, Goldman Sachs...)

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 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 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 contract) — 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.

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 fixed indexed annuity options.

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All crediting strategies

View rate listings (70 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: 125% + Spread: 0.75% · 1-yr

Goldman Sachs New Horizons Index

Index Allocation — 100% allocation · participation