Fixed Indexed Annuity

New Heights Select 10

Nationwide Life Insurance Company

Free W/D

Available jurisdictions

Product data status: July 17, 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 New Heights Select 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 July 17, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$165,096

Est. value at age 80 (New Heights Select 10)

Premium bonus offered

Loomis Sayles Discovery Index — 115% Participation (Index Allocation · Annual)

✦

How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies New Heights Select 10's published participation rate (115% on Loomis Sayles Discovery Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $3,000 premium bonus (3%) = $103,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how New Heights Select 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 New Heights Select 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 July 17, 2026, from AdvisorWorld and CANNEX.

Scenario lifetime withdrawal rate

4.98% lifetime payout + 1% roll-up

Nationwide's current New Heights Select income FIA with High Point rider choices and a broad participation-and-spread strategy menu.

0.95% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want optional guaranteed lifetime withdrawals from a highly rated carrier and can evaluate rider economics separately from accumulation crediting.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

45% participation rate + 1.95% spread

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

30% participation rate + 0% spread

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

60% participation rate + 1.95% spread

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

45% participation rate + 0% spread

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

55% participation rate + 1.95% spread

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

35% participation rate + 0% spread

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

75% participation rate + 1.95% spread

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Index Allocation — 100% allocation

60% participation rate + 0% spread

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

+ 56 additional crediting options (Strategy A, Goldman Sachs, Strategy B...)

Lifetime Income Riders

Income rider

High Point 365 Select

Lifetime payout rate4.98% lifetime payout

Annual rider fee0.95% annual rider fee

Guaranteed roll-up1%/yr

Income rider

High Point 365 Select with Bonus

Lifetime payout rate4.6% lifetime payout

Annual rider fee1.1% annual rider fee

Guaranteed roll-up7%/yr

Product analyst notes

How to think about this contract

Why it can stand out

Two current High Point lifetime-income options let buyers compare the base and bonus rider designs.
A diversified strategy menu includes recognizable and proprietary indexes with annual and multi-year crediting.
Return-of-premium and state-qualified market-value-adjustment options are shown in the live contract detail.

What to confirm

The GLWB options carry rider charges; compare payout, roll-up, and fee together for the actual issue scenario.
Most indexed strategies use participation or spread mechanics rather than a standard cap, so headline comparisons need the correct rate kind.
Income illustrations are scenario-dependent and should not be treated as the contract's account-value return.

Not ideal for

Buyers seeking a fee-free income guarantee, a plain annual-cap FIA, or short-term full liquidity.

Free Comparison Report

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See how New Heights Select 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 (104 strategies)

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

Par: 130% + Spread: 0.75% · 1-yr

Goldman Sachs New Horizons Index

Index Allocation — 100% allocation · participation