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Fixed Indexed Annuity

Peak® 10

Nationwide Life Insurance Company

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6.25%

Best Cap

10%

Free W/D

49

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 Peak® 10 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
$312,053
Est. value at age 80 (Peak® 10)
0%
Floor — index losses never reduce value
Peak® 10
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Peak® 10's published cap rate (10% on AB GAVL 5% ER Index) 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.

Free Comparison Report

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See how Peak® 10 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 Peak® 10

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.

S&P 500 annual point-to-point cap

6.25% cap on S&P 500

An A+-rated 10-year accumulation-focused fixed indexed annuity from Nationwide with annual point-to-point cap exposure on the S&P 500 plus four proprietary volatility-controlled index strategies, with a six-figure premium minimum.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation buyers willing to commit for a full 10-year surrender period with a sizeable balance to deploy who want the highest-in-family Peak caps and a wide menu of proprietary index alternatives alongside S&P 500.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. Delaware, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.05% cap rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

6.25% cap rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

5.3% cap rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

60% participation rate + 2% spread

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate + 0% spread

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

60% participation rate + 2% spread

2-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate + 0% spread

2-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate + 2% spread

2-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

45% participation rate + 0% spread

2-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.45% declared rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.55% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.25% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

+ 68 additional crediting options (AB GAVL, J.P. Morgan, S&P 500...)
View rate listings (90 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.

Cap: 9.5% · 1-yr

AB GAVL 5% ER Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

J.P. Morgan Cycle Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

BNP Paribas Global H-Factor Index

cap

10-yr surrender$100,000+

Cap: 6.05% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.45% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 290% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · participation

10-yr surrender$100,000+

Par: 265% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · participation

10-yr surrender$100,000+

Par: 265% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · participation

10-yr surrender$100,000+

Par: 250% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · participation

10-yr surrender$100,000+

Par: 235% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · participation

10-yr surrender$100,000+

Par: 225% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · participation

10-yr surrender$100,000+

Par: 225% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · participation

10-yr surrender$100,000+

Par: 195% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · participation

10-yr surrender$100,000+

Par: 60% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · participation

10-yr surrender$100,000+

Par: 50% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · participation

10-yr surrender$100,000+

Cap: 8.5% · 1-yr

AB GAVL 5% ER Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

J.P. Morgan Cycle Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

BNP Paribas Global H-Factor Index

cap

10-yr surrenderUp to $99,999.99

Cap: 5.55% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 3.2% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 265% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 245% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 245% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 230% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 220% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 210% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 205% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 185% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 55% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 45% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Cap: 10% · 1-yr

AB GAVL 5% ER Index

PP

$100,000+

Cap: 10% · 1-yr

BNP Paribas Global H-Factor Index

PP

$100,000+

Cap: 10% · 1-yr

J.P. Morgan Cycle Index

PP

$100,000+

Cap: 10% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

PP

$100,000+

Cap: 6.25% · 1-yr

S&P 500 Index

PP

$100,000+

Fixed: 3.55% · 1-yr

Fixed Account

FX

$100,000+

Cap: 5.3% · 1-yr

S&P 500 Index

PP

$100,000+

Fixed: 3.25% · 1-yr

Fixed Account

FX

$100,000+

Par: 295% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

$100,000+

Par: 265% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

$100,000+

Par: 265% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

$100,000+

Par: 250% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

$100,000+

Par: 235% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

$100,000+

Par: 225% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

$100,000+

Par: 225% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

$100,000+

Par: 200% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

$100,000+

Par: 60% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · PP

$100,000+

Par: 50% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · PP

$100,000+

Par: 260% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

$100,000+

Par: 235% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

$100,000+

Par: 235% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

$100,000+

Par: 225% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

$100,000+

Par: 210% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

$100,000+

Par: 205% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

$100,000+

Par: 200% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

$100,000+

Par: 180% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

$100,000+

Cap: 9% · 1-yr

AB GAVL 5% ER Index

PP

Up to $99,999.99

Cap: 9% · 1-yr

BNP Paribas Global H-Factor Index

PP

Up to $99,999.99

Cap: 9% · 1-yr

J.P. Morgan Cycle Index

PP

Up to $99,999.99

Cap: 9% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

PP

Up to $99,999.99

Cap: 5.65% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Fixed: 3.3% · 1-yr

Fixed Account

FX

Up to $99,999.99

Cap: 8% · 1-yr

AB GAVL 5% ER Index

PP

Up to $99,999.99

Cap: 8% · 1-yr

BNP Paribas Global H-Factor Index

PP

Up to $99,999.99

Cap: 8% · 1-yr

J.P. Morgan Cycle Index

PP

Up to $99,999.99

Cap: 8% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

PP

Up to $99,999.99

Cap: 4.75% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 275% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

Up to $99,999.99

Par: 250% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

Up to $99,999.99

Par: 245% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

Up to $99,999.99

Par: 240% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

Up to $99,999.99

Par: 220% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

Up to $99,999.99

Par: 210% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

Up to $99,999.99

Par: 210% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

Up to $99,999.99

Par: 190% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

Up to $99,999.99

Par: 55% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · PP

Up to $99,999.99

Par: 45% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · PP

Up to $99,999.99

Par: 240% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

Up to $99,999.99

Par: 215% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

Up to $99,999.99

Par: 210% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

Up to $99,999.99

Par: 205% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

Up to $99,999.99

Par: 195% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

Up to $99,999.99

Par: 190% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

Up to $99,999.99

Par: 180% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

Up to $99,999.99

Par: 165% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

Up to $99,999.99

Par: 50% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · PP

Up to $99,999.99

Par: 40% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · PP

Up to $99,999.99

Lifetime Income Riders

Income rider

Bonus Income+ Rider

Lifetime payout rate5.35% lifetime payout
Guaranteed roll-up8%/yr

Income rider

Guaranteed Income Solution

Lifetime payout rate4% lifetime payout
Guaranteed roll-up4%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Broad strategy menu — S&P 500 alongside four proprietary volatility-controlled indices (AB GAVL, J.P. Morgan Cycle, BNP Paribas Global H-Factor, S&P 500 ADRC) — gives buyers a wide spectrum from recognizable benchmark exposure to higher-cap proprietary alternatives.
  • A.M. Best A+ from a top-tier national carrier with three-agency coverage (Moody's A1, S&P A+) — the strength view does not rest on a single rating.
  • Wide free-withdrawal allowance over the full surrender period — meaningful penalty-free liquidity for a 10-year FIA.
  • Caps on the longer 10-year surrender are higher than the same indices on Nationwide's shorter-surrender Peak siblings — the trade for tying capital up longer is a higher headline cap.

What to confirm

  • The premium minimum is a meaningful threshold — not designed for small first-time annuity buyers. Confirm the exact figure in the carrier's filing.
  • Despite the catalog flagging hasFiaIncome=true, the live feed shows no active income rider for this product — it is accumulation-only today, not an income product. Buyers shopping for lifetime income should look at a different Nationwide product.
  • Four of the five index choices are proprietary volatility-controlled designs; their caps look attractive in absolute terms but each behaves differently from a vanilla S&P 500 strategy and from each other — each option must be evaluated on its own.
  • The 10-year surrender schedule is long and starts with a high penalty — partial liquidity outside the free-withdrawal allowance is constrained for the full decade.

Not ideal for

Buyers who need lifetime income from a rider, anyone unable to meet the six-figure premium minimum, or buyers who can't tie capital up for a full 10-year surrender period.

Free Comparison Report

Get a Peak® 10 rate report

See how Peak® 10 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 (90 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.

Cap: 9.5% · 1-yr

AB GAVL 5% ER Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

J.P. Morgan Cycle Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

BNP Paribas Global H-Factor Index

cap

10-yr surrender$100,000+

Cap: 6.05% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.45% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 290% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · participation

10-yr surrender$100,000+

Par: 265% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · participation

10-yr surrender$100,000+

Par: 265% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · participation

10-yr surrender$100,000+

Par: 250% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · participation

10-yr surrender$100,000+

Par: 235% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · participation

10-yr surrender$100,000+

Par: 225% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · participation

10-yr surrender$100,000+

Par: 225% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · participation

10-yr surrender$100,000+

Par: 195% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · participation

10-yr surrender$100,000+

Par: 60% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · participation

10-yr surrender$100,000+

Par: 50% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · participation

10-yr surrender$100,000+

Cap: 8.5% · 1-yr

AB GAVL 5% ER Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

J.P. Morgan Cycle Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

BNP Paribas Global H-Factor Index

cap

10-yr surrenderUp to $99,999.99

Cap: 5.55% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 3.2% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 265% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 245% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 245% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 230% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 220% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 210% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 205% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 185% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 55% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 45% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Cap: 10% · 1-yr

AB GAVL 5% ER Index

PP

$100,000+

Cap: 10% · 1-yr

BNP Paribas Global H-Factor Index

PP

$100,000+

Cap: 10% · 1-yr

J.P. Morgan Cycle Index

PP

$100,000+

Cap: 10% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

PP

$100,000+

Cap: 6.25% · 1-yr

S&P 500 Index

PP

$100,000+

Fixed: 3.55% · 1-yr

Fixed Account

FX

$100,000+

Cap: 5.3% · 1-yr

S&P 500 Index

PP

$100,000+

Fixed: 3.25% · 1-yr

Fixed Account

FX

$100,000+

Par: 295% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

$100,000+

Par: 265% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

$100,000+

Par: 265% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

$100,000+

Par: 250% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

$100,000+

Par: 235% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

$100,000+

Par: 225% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

$100,000+

Par: 225% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

$100,000+

Par: 200% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

$100,000+

Par: 60% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · PP

$100,000+

Par: 50% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · PP

$100,000+

Par: 260% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

$100,000+

Par: 235% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

$100,000+

Par: 235% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

$100,000+

Par: 225% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

$100,000+

Par: 210% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

$100,000+

Par: 205% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

$100,000+

Par: 200% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

$100,000+

Par: 180% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

$100,000+

Cap: 9% · 1-yr

AB GAVL 5% ER Index

PP

Up to $99,999.99

Cap: 9% · 1-yr

BNP Paribas Global H-Factor Index

PP

Up to $99,999.99

Cap: 9% · 1-yr

J.P. Morgan Cycle Index

PP

Up to $99,999.99

Cap: 9% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

PP

Up to $99,999.99

Cap: 5.65% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Fixed: 3.3% · 1-yr

Fixed Account

FX

Up to $99,999.99

Cap: 8% · 1-yr

AB GAVL 5% ER Index

PP

Up to $99,999.99

Cap: 8% · 1-yr

BNP Paribas Global H-Factor Index

PP

Up to $99,999.99

Cap: 8% · 1-yr

J.P. Morgan Cycle Index

PP

Up to $99,999.99

Cap: 8% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

PP

Up to $99,999.99

Cap: 4.75% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 275% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

Up to $99,999.99

Par: 250% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

Up to $99,999.99

Par: 245% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

Up to $99,999.99

Par: 240% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

Up to $99,999.99

Par: 220% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

Up to $99,999.99

Par: 210% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

Up to $99,999.99

Par: 210% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

Up to $99,999.99

Par: 190% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

Up to $99,999.99

Par: 55% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · PP

Up to $99,999.99

Par: 45% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · PP

Up to $99,999.99

Par: 240% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · PP

Up to $99,999.99

Par: 215% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · PP

Up to $99,999.99

Par: 210% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · PP

Up to $99,999.99

Par: 205% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · PP

Up to $99,999.99

Par: 195% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · PP

Up to $99,999.99

Par: 190% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · PP

Up to $99,999.99

Par: 180% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · PP

Up to $99,999.99

Par: 165% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · PP

Up to $99,999.99

Par: 50% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · PP

Up to $99,999.99

Par: 40% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · PP

Up to $99,999.99

Income riders

Income rider

Bonus Income+ Rider

Lifetime withdrawal rate5.35%
Annual rider feeNot shown
Withdrawal-base growth8% roll-up

GLWB

Income rider

Guaranteed Income Solution

Lifetime withdrawal rate4%
Annual rider feeNot shown
Withdrawal-base growth4% roll-up

GLWB

Common questions about Peak® 10

● Can I lose money in Peak® 10?

In a year the index falls, Peak® 10 credits 0% — the floor — so your account value does not drop from market losses. Up to 10% 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 Bonus Income+ Rider income rider worth it?

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 8% roll-up and 5.35% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How does Peak® 10 compare to other FIAs?

Use "Compare against" in the analyzer to overlay Peak® 10 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

10%/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

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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-1169AO-AL.pdf

Confidence: highReviewed Apr 9, 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

Peak® 10 currently shows 71 distinct indexed or fixed crediting choices across 96 current rate listings, including S&P 500 Index and S&P 500 Average Daily Risk Control 5% USD Excess Return Index, with 40 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: 6.05% cap
  • S&P 500 Average Daily Risk Control 5% USD Excess Return Index: 9.5% cap
  • S&P 500 Index: 5.55% cap

Income rider language

What to look for before treating the rider as income

Bonus Income+ Rider 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.

  • 5.35% withdrawal rate

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.

  • 10%/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-1169AO-AL.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

Get a Peak® 10 rate report

See how Peak® 10 compares for your age, state, premium, and income goals alongside other Nationwide Life Insurance Company fixed indexed annuity options.

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