What is the minimum guaranteed surrender value for Nationwide Secure Growth 5 & 7 (ROP)?

Both the 5-year and 7-year Return of Purchase Payment (ROP) options offer fixed interest rates and return of premium features. If the contract is surrendered during the CDSC period, the owner is guaranteed the return of their initial purchase payment (minus prior withdrawals and applicable state taxes). These versions do not include a Market Value Adjustment (MVA). At the end of the initial term, the contract renews at an annually declared interest rate, not less than the minimum guaranteed floor.

What is the minimum premium amount for Nationwide Secure Growth 5 & 7 (ROP)?

The minimum premium amount is $10,000.

What is the maximum issue age for Nationwide Secure Growth 5 & 7 (ROP)?

The maximum issue age is 90 years.

What is the current interest rate for Nationwide Secure Growth 5 & 7 (ROP)?

The current interest rate is 3.85%.

What is the surrender charge schedule for Nationwide Secure Growth 5 & 7 (ROP)?

Withdrawals above the 10% free withdrawal allowance are subject to a contingent deferred sales charge. These charges apply only during the CDSC period. The Return of Purchase Payment rider guarantees that surrendering the contract early will still return the original premium (minus withdrawals and taxes), with CDSC deducted only from interest credited, not principal.

What are the best rates available for Nationwide Secure Growth 5 & 7 (ROP)?

The best available rate is 4.15% for a 7 year term.

Nationwide Life Insurance Company

Nationwide Secure Growth 5 & 7 (ROP)

About this product

Nationwide Secure Growth 5 ROP and 7 ROP are single-purchase-payment deferred fixed annuities that include a Return of Purchase Payment Guarantee. These products are designed for individuals seeking guaranteed growth while preserving the full return of their principal if they surrender the contract early. They provide fixed interest over a 5- or 7-year term and are ideal for conservative investors who prioritize protection and predictability in a retirement savings vehicle.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

5 Years	4.10%
7 Years	4.15%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	3.85%
$100,000.00 - $1,000,000.00	4.1%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage