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Fixed Indexed Annuity

New Heights Select 10

Nationwide Life Insurance Company

7%

Free W/D

50

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Spread-credited strategy

A 10-year accumulation-focused fixed indexed annuity from an A+-rated carrier with a premium bonus, a wide 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 who want a premium bonus and ample free-withdrawal flexibility, and are comfortable with spread-credited proprietary strategies in place of cap-led S&P 500 exposure.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

+ 4 volatility-controlled index options (Strategy A, Strategy B...)

Lifetime Income Riders

Income rider

High Point 365 Select

RMD friendly
Lifetime payout rate6.71% lifetime payout
Annual rider fee0.95% annual rider fee

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime payout rate5.75% lifetime payout
Annual rider fee1.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus credited at issue, vested smoothly across the 10-year surrender term — longer holders capture more of the bonus the longer they stay.
  • Free-withdrawal allowance throughout the surrender period — generous penalty-free liquidity for a 10-year FIA.
  • Multi-agency strength view (A.M. Best A+, Moody's A1, S&P A+) from a major-carrier balance sheet — strength isn't resting on a single rating.
  • Nursing-home, terminal-illness, and RMD surrender waivers built into 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 recognizable index — not directly comparable to cap-led S&P 500 products on a headline cap.
  • The contractually-allowed maximum spread is high, so the carrier retains wide room 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 account-value growth, a plain feature on a long-surrender contract.
  • Surrender penalties run a full ten years (no MVA on this filing) — liquidity outside the free-withdrawal allowance is heavily constrained for the entire term.

Not ideal for

Buyers who want a standard S&P 500 annual point-to-point cap for cross-product comparison, anyone needing built-in lifetime income, or buyers who cannot tie capital up across the full 10-year surrender period.

All crediting strategies

View rate listings (8 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.

Spread: 75% · 1-yr

Strategy A

Strategy A · unknown

10-yr surrender

Spread: 0% · 1-yr

Strategy B

Strategy B · unknown

10-yr surrender

Spread: 75% · 2-yr

Strategy A

Strategy A · unknown

10-yr surrender

Spread: 0% · 2-yr

Strategy B

Strategy B · unknown

10-yr surrender

Spread: 75% · 1-yr

Strategy A

Strategy A

Spread: 0% · 1-yr

Strategy B

Strategy B

Spread: 75% · 2-yr

Strategy A

Strategy A

Spread: 0% · 2-yr

Strategy B

Strategy B

Income riders

Income rider

High Point 365 Select

RMD friendly
Lifetime withdrawal rate6.71%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select

RMD friendly
Lifetime withdrawal rate6.71%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select

RMD friendly
Lifetime withdrawal rate6.21%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select

RMD friendly
Lifetime withdrawal rate6.21%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.75%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.75%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.7%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.7%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.25%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.25%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.2%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

High Point 365 Select with Bonus

RMD friendly
Lifetime withdrawal rate5.2%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Key Features

Free withdrawal

7%/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

Premium bonus

3%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Death Benefit

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

Strategy guarantee

Maximum spread: 6.95%

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

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

FAM-1126AO_NH_Select10_Product_Profile.pdf

Confidence: highReviewed Apr 8, 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

New Heights Select 10 currently shows 4 distinct indexed or fixed crediting choices across 8 current rate listings, with 4 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.

Income rider language

What to look for before treating the rider as income

High Point 365 Select 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.

  • 6.71% withdrawal rate
  • 0.95% rider fee
  • 10 deferral years
  • RMD friendly
  • Joint life availability

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.

  • 7%/yr free withdrawal
  • 10 surrender years
  • 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-1126AO_NH_Select10_Product_Profile.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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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