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Fixed Indexed Annuity

Peak 5 A

Nationwide

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7.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: August 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.

Model this product

See what Peak 5 A 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 August 6, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Peak 5 A)
7.5%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 8% Cap (Annual)
✦
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 5 A's published cap rate (8% on MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of August 6, 2026.

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See how Peak 5 A 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 Peak 5 A

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

Live product data

Rates as of August 6, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

7.5% cap on S&P 500

An A+-rated 5-year accumulation-focused fixed indexed annuity from Nationwide with S&P 500 and MSCI EAFE annual point-to-point cap exposure, a narrower strategy menu than the base Peak 5, and a six-figure premium minimum.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation buyers who want a short 5-year surrender lock-up with a sizeable balance to deploy, prefer a simple S&P-500-and-EAFE strategy menu, and don't need the proprietary-index options that the base Peak 5 contract carries.

AM Best

A+ Superior

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.15% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

+ 2 additional crediting options (MSCI EAFE...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Short 5-year surrender period — among the shorter FIA terms available, lowering the deferral commitment versus typical 7- to 10-year FIAs.
  • A.M. Best A+ from a top-tier national carrier with three-agency coverage (Moody's A1, S&P A+) — strength view triangulates across sources.
  • Free-withdrawal allowance from year one — meaningful penalty-free liquidity even across the shorter 5-year term.
  • Simpler strategy menu — S&P 500 and MSCI EAFE caps — makes this an easier contract to model and compare versus FIAs that bundle multiple proprietary indices.

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.
  • Narrower strategy menu than the Peak 5 base contract — only S&P 500 and MSCI EAFE indexed options here, no proprietary high-participation alternatives. That's simpler but offers less optionality.
  • No optional GLWB rider and no built-in PIV income mechanism — accumulation-only product; buyers shopping primarily for lifetime income should look at a different Nationwide product.
  • Caps on shorter-surrender FIAs are typically tighter than longer-surrender peers because the carrier earns less spread over a 5-year horizon — the trade for the shorter lock-up is a lower headline cap.

Not ideal for

Buyers who want exposure to volatility-controlled proprietary indices (use Peak 5 instead), anyone needing lifetime income, anyone unable to meet the six-figure premium minimum, or buyers willing to lock funds up longer in exchange for higher caps on 7- to 10-year FIAs.

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See how Peak 5 A 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 (12 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 8% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 7.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 4.15% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Cap: 7.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 6.1% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.95% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

MSCI EAFE Index

Point-to-point

$100,000+

Cap: 7.1% · 1-yr

S&P 500 Index

Point-to-point

$100,000+

Fixed: 4% · 1-yr

Fixed Account

Fixed account

$100,000+

Cap: 7% · 1-yr

MSCI EAFE Index

Point-to-point

Up to $99,999.99

Cap: 5.8% · 1-yr

S&P 500 Index

Point-to-point

Up to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

Fixed account

Up to $99,999.99

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Peak 5 A

● Can I lose money in Peak 5 A?

A negative index return by itself does not reduce the contract's account value: Peak 5 A credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Peak 5 A's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Peak 5 A strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

2.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

rate sheet

Peak 5 A brochure pdf.pdf

Confidence: highReviewed Apr 15, 2026

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

Carrier Ratings

AM BestA+
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Peak 5 A currently shows 12 indexed or fixed crediting options, including S&P 500 Index, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.5% annual cap
  • S&P 500 Index: 6.1% annual cap
  • S&P 500 Index: 5.8% annual point-to-point cap
  • S&P 500 Index: 7.1% annual point-to-point cap

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
  • 5 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Peak 5 A brochure pdf.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

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