Best available rate
5.6%
5-yr guarantee · 5-yr surrender schedule · $100,000+ premium
Up to 5.6% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
Rates as of August 26, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
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guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Nationwide Life Insurance Company product.
Live product data
Rates as of August 26, 2026, from AdvisorWorld and CANNEX.
5-year guaranteed rate
5.6% guaranteed for 5 years
A multi-term MYGA from A+-rated Nationwide offering 3-, 5-, and 7-year guaranteed rates, a wide free-withdrawal allowance, and full nursing-home, terminal-illness, and RMD surrender waivers.
Best fit
Safety-first MYGA buyers who value carrier balance-sheet strength and the flexibility to choose among multiple guarantee periods, with a need for the free-withdrawal allowance for liquidity.
Available guarantee terms
3, 4, 5, and 7 years
AM Best
A+ Superior
Available surrender terms
3, 4, 5, and 7 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee-period choices (3, 5, and 7 years) — buyers can match the lock-up to their actual liquidity horizon rather than being forced into a single term.
- Free-withdrawal allowance is wider than the standard at many MYGAs — meaningful penalty-free liquidity on every available term.
- Nursing-home, terminal-illness, and RMD surrender waivers all built into the base contract — the standard life-event liquidity escape hatches are included.
- A.M. Best A+ from a top-tier national carrier with three-agency coverage (Moody's A1, S&P A+) — strength view triangulates rather than resting on a single rating.
What to confirm
- No Market Value Adjustment on this contract — a structural simplification, but also means the carrier has less ability to share favorable interest-rate moves with the holder versus a comparable MYGA with MVA.
- Death benefit is contract value (CV) without a step-up — heirs receive the account value as of date of death rather than a guaranteed enhanced payout.
- Joint annuitization is not available — single-life only at annuitization, a real limitation for couples planning shared lifetime income later.
- Rate ladder on this contract has historically been unusual — the 7-year rate can sit below the 5-year rate (an inverted curve at the long end), so longer-term lock-ups do not automatically pay more. Verify the current 5-year versus 7-year before committing.
Not ideal for
Buyers chasing the absolute top-of-market MYGA headline rates (this contract tends to trail the highest yields) or couples who need joint-life annuitization at conversion.
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Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | $10,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| California · No MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 17, 2026 | 3.35%Rate convention not stated | 3.85%Rate convention not stated |
| California · No MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 17, 2026 | 3.6%Rate convention not stated | 4%Rate convention not stated |
| California · No MVA · No liquidity rider | 4-Year | 4-Year schedule | Aug 17, 2026 | 3.35%Rate convention not stated | 3.7%Rate convention not stated |
| California · No MVA · No liquidity rider | 4-Year | 4-Year schedule | Aug 17, 2026 | 3.55%Rate convention not stated | 3.85%Rate convention not stated |
| California · No MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 17, 2026 | 3.85%Rate convention not stated | 4.1%Rate convention not stated |
| California · No MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 17, 2026 | 4.05%Rate convention not stated | 4.8%Rate convention not stated |
| California · No MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 17, 2026 | 3.9%Rate convention not stated | 4.15%Rate convention not stated |
| California · No MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 17, 2026 | 4.1%Rate convention not stated | 4.35%Rate convention not stated |
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 17, 2026 | 3.85%Rate convention not stated | 5.1%Rate convention not stated |
| Most states · MVA · No liquidity rider | 4-Year | 4-Year schedule | Aug 17, 2026 | 4.05%Rate convention not stated | 5.35%Rate convention not stated |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 17, 2026 | 4.45%Rate convention not stated | 5.6%Rate convention not stated |
| Most states · MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 17, 2026 | 4.45%Rate convention not stated | 4.7%Rate convention not stated |
| NY · No MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 17, 2026 | 3.3%Rate convention not stated | 3.75%Rate convention not stated |
| NY · No MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 17, 2026 | 3.55%Rate convention not stated | 3.9%Rate convention not stated |
| NY · No MVA · No liquidity rider | 4-Year | 4-Year schedule | Aug 17, 2026 | 3.25%Rate convention not stated | 3.6%Rate convention not stated |
| NY · No MVA · No liquidity rider | 4-Year | 4-Year schedule | Aug 17, 2026 | 3.45%Rate convention not stated | 3.75%Rate convention not stated |
| NY · No MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 17, 2026 | 3.35%Rate convention not stated | 3.8%Rate convention not stated |
| NY · No MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 17, 2026 | 3.6%Rate convention not stated | 4.55%Rate convention not stated |
| NY · No MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 17, 2026 | 3.4%Rate convention not stated | 3.85%Rate convention not stated |
| NY · No MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 17, 2026 | 3.7%Rate convention not stated | 4.05%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
3-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
After
0%
3-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
After
0%
3-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
After
0%
3-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
After
0%
3-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
After
0%
4-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
4-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
4-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
4-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
4-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
5-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
5-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
5-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
5-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
5-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
7-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
7-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
7-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
7-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
7-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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See how Secure Growth compares for your age, state, premium, and income goals alongside other Nationwide Life Insurance Company MYGA options.