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Fixed Indexed Annuity

Peak® 10

Nationwide Life Insurance Company

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6.05%

Best S&P 500 Annual Cap

10%

Free W/D

49

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 Peak® 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.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Peak® 10)
6.05%
Best S&P 500 1-yr point-to-point cap
AB GAVL 5% ER Index — 9.5% 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® 10's published cap rate (9.5% on AB GAVL 5% ER 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 July 17, 2026.

Free Comparison Report

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See how Peak® 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 Peak® 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.

S&P 500 annual point-to-point cap

6.05% cap on S&P 500

An A+-rated 10-year accumulation-focused fixed indexed annuity from Nationwide with annual point-to-point cap exposure on the S&P 500 plus four proprietary volatility-controlled index strategies, with a six-figure premium minimum.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation buyers willing to commit for a full 10-year surrender period with a sizeable balance to deploy who want the highest-in-family Peak caps and a wide menu of proprietary index alternatives alongside S&P 500.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. Delaware, New York)

Featured crediting strategies

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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.05% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Account Option A

60% participation rate + 2% spread

Participation

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Account Option B

50% participation rate + 0% spread

Participation

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.45% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 24 additional crediting options (AB GAVL, J.P. Morgan, S&P 500...)

Lifetime Income Riders

Income rider

Bonus Income+ Rider

Lifetime payout rate5.35% lifetime payout
Annual rider fee0% annual rider fee
Guaranteed roll-up8%/yr

Income rider

Guaranteed Income Solution

Lifetime payout rate4% lifetime payout
Annual rider fee0% annual rider fee
Guaranteed roll-up4%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Broad strategy menu — S&P 500 alongside four proprietary volatility-controlled indices (AB GAVL, J.P. Morgan Cycle, BNP Paribas Global H-Factor, S&P 500 ADRC) — gives buyers a wide spectrum from recognizable benchmark exposure to higher-cap proprietary alternatives.
  • A.M. Best A+ from a top-tier national carrier with three-agency coverage (Moody's A1, S&P A+) — the strength view does not rest on a single rating.
  • Wide free-withdrawal allowance over the full surrender period — meaningful penalty-free liquidity for a 10-year FIA.
  • Caps on the longer 10-year surrender are higher than the same indices on Nationwide's shorter-surrender Peak siblings — the trade for tying capital up longer is a higher headline cap.

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.
  • Although this contract may be described as income-eligible, the live feed shows no active income rider — it is accumulation-only today, not an income product. Buyers shopping for lifetime income should look at a different Nationwide product.
  • Four of the five index choices are proprietary volatility-controlled designs; their caps look attractive in absolute terms but each behaves differently from a vanilla S&P 500 strategy and from each other — each option must be evaluated on its own.
  • The 10-year surrender schedule is long and starts with a high penalty — partial liquidity outside the free-withdrawal allowance is constrained for the full decade.

Not ideal for

Buyers who need lifetime income from a rider, anyone unable to meet the six-figure premium minimum, or buyers who can't tie capital up for a full 10-year surrender period.

Free Comparison Report

Get a Peak® 10 rate report

See how Peak® 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 (96 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.

Cap: 9.5% · 1-yr

AB GAVL 5% ER Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

J.P. Morgan Cycle Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

cap

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

BNP Paribas Global H-Factor Index

cap

10-yr surrender$100,000+

Cap: 6.05% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.45% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 290% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · participation

10-yr surrender$100,000+

Par: 265% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · participation

10-yr surrender$100,000+

Par: 265% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · participation

10-yr surrender$100,000+

Par: 250% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · participation

10-yr surrender$100,000+

Par: 235% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · participation

10-yr surrender$100,000+

Par: 225% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · participation

10-yr surrender$100,000+

Par: 225% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · participation

10-yr surrender$100,000+

Par: 195% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · participation

10-yr surrender$100,000+

Par: 60% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · participation

10-yr surrender$100,000+

Par: 50% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · participation

10-yr surrender$100,000+

Cap: 8.5% · 1-yr

AB GAVL 5% ER Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

J.P. Morgan Cycle Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

BNP Paribas Global H-Factor Index

cap

10-yr surrenderUp to $99,999.99

Cap: 5.55% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 3.2% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 265% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 245% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 245% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 230% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 220% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 210% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 205% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 185% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Par: 55% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · participation

10-yr surrenderUp to $99,999.99

Par: 45% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · participation

10-yr surrenderUp to $99,999.99

Cap: 9% · 1-yr

AB GAVL 5% ER Index

Point-to-point

Other state rate set 2424$100,000+

Cap: 9% · 1-yr

BNP Paribas Global H-Factor Index

Point-to-point

Other state rate set 2424$100,000+

Cap: 9% · 1-yr

J.P. Morgan Cycle Index

Point-to-point

Other state rate set 2424$100,000+

Cap: 9% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Point-to-point

Other state rate set 2424$100,000+

Cap: 5.3% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2424$100,000+

Fixed: 3.25% · 1-yr

Fixed Account

Fixed account

Other state rate set 2424$100,000+

Par: 260% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · Point-to-point

Other state rate set 2424$100,000+

Par: 235% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · Point-to-point

Other state rate set 2424$100,000+

Par: 235% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · Point-to-point

Other state rate set 2424$100,000+

Par: 225% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · Point-to-point

Other state rate set 2424$100,000+

Par: 210% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · Point-to-point

Other state rate set 2424$100,000+

Par: 205% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · Point-to-point

Other state rate set 2424$100,000+

Par: 200% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · Point-to-point

Other state rate set 2424$100,000+

Par: 180% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · Point-to-point

Other state rate set 2424$100,000+

Par: 55% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · Point-to-point

Other state rate set 2424$100,000+

Par: 45% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · Point-to-point

Other state rate set 2424$100,000+

Cap: 8% · 1-yr

AB GAVL 5% ER Index

Point-to-point

Other state rate set 2424Up to $99,999.99

Cap: 8% · 1-yr

BNP Paribas Global H-Factor Index

Point-to-point

Other state rate set 2424Up to $99,999.99

Cap: 8% · 1-yr

J.P. Morgan Cycle Index

Point-to-point

Other state rate set 2424Up to $99,999.99

Cap: 8% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Point-to-point

Other state rate set 2424Up to $99,999.99

Cap: 4.75% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2424Up to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Other state rate set 2424Up to $99,999.99

Par: 240% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 215% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 210% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 205% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 195% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 190% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 180% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 165% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 50% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · Point-to-point

Other state rate set 2424Up to $99,999.99

Par: 40% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · Point-to-point

Other state rate set 2424Up to $99,999.99

Cap: 10% · 1-yr

AB GAVL 5% ER Index

Point-to-point

Other state rate set 8808$100,000+

Cap: 10% · 1-yr

BNP Paribas Global H-Factor Index

Point-to-point

Other state rate set 8808$100,000+

Cap: 10% · 1-yr

J.P. Morgan Cycle Index

Point-to-point

Other state rate set 8808$100,000+

Cap: 10% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Point-to-point

Other state rate set 8808$100,000+

Cap: 6.25% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 8808$100,000+

Fixed: 3.55% · 1-yr

Fixed Account

Fixed account

Other state rate set 8808$100,000+

Par: 295% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · Point-to-point

Other state rate set 8808$100,000+

Par: 265% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · Point-to-point

Other state rate set 8808$100,000+

Par: 265% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · Point-to-point

Other state rate set 8808$100,000+

Par: 250% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · Point-to-point

Other state rate set 8808$100,000+

Par: 235% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · Point-to-point

Other state rate set 8808$100,000+

Par: 225% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · Point-to-point

Other state rate set 8808$100,000+

Par: 225% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · Point-to-point

Other state rate set 8808$100,000+

Par: 200% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · Point-to-point

Other state rate set 8808$100,000+

Par: 60% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · Point-to-point

Other state rate set 8808$100,000+

Par: 50% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · Point-to-point

Other state rate set 8808$100,000+

Cap: 9% · 1-yr

AB GAVL 5% ER Index

Point-to-point

Other state rate set 8808Up to $99,999.99

Cap: 9% · 1-yr

BNP Paribas Global H-Factor Index

Point-to-point

Other state rate set 8808Up to $99,999.99

Cap: 9% · 1-yr

J.P. Morgan Cycle Index

Point-to-point

Other state rate set 8808Up to $99,999.99

Cap: 9% · 1-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Point-to-point

Other state rate set 8808Up to $99,999.99

Cap: 5.65% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 8808Up to $99,999.99

Fixed: 3.3% · 1-yr

Fixed Account

Fixed account

Other state rate set 8808Up to $99,999.99

Par: 275% + Spread: 2% · 2-yr

BNP Paribas Global H-Factor Index

Account Option A · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 250% + Spread: 2% · 2-yr

J.P. Morgan Cycle Index

Account Option A · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 245% + Spread: 0% · 2-yr

BNP Paribas Global H-Factor Index

Account Option B · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 240% + Spread: 2% · 2-yr

AB GAVL 5% ER Index

Account Option A · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 220% + Spread: 0% · 2-yr

J.P. Morgan Cycle Index

Account Option B · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 210% + Spread: 2% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option A · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 210% + Spread: 0% · 2-yr

AB GAVL 5% ER Index

Account Option B · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 190% + Spread: 0% · 2-yr

S&P 500 Average Daily Risk Control 5% USD Excess Return Index

Account Option B · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 55% + Spread: 2% · 2-yr

S&P 500 Index

Account Option A · Point-to-point

Other state rate set 8808Up to $99,999.99

Par: 45% + Spread: 0% · 2-yr

S&P 500 Index

Account Option B · Point-to-point

Other state rate set 8808Up to $99,999.99

Income riders

Income rider

Bonus Income+ Rider

Lifetime withdrawal rate5.35%
Annual rider fee0%
Guaranteed roll-up8%/yr
Deferral assumed10 years

GLWB

Income rider

Guaranteed Income Solution

Lifetime withdrawal rate4%
Annual rider fee0%
Guaranteed roll-up4%/yr
Deferral assumed10 years

GLWB

Common questions about Peak® 10

● Can I lose money in Peak® 10?

A negative index return by itself does not reduce the contract's account value: Peak® 10 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.

● Is the Bonus Income+ Rider income rider worth the 0% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 8% roll-up and 5.35% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How do Peak® 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Peak® 10 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

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

6.00%

Maximum spread: 6.00%

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

Surrender schedule not available for this product

A surrender-charge schedule is currently unavailable for this product. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

product guide

FAM-1169AO-AL.pdf

Confidence: highReviewed Apr 9, 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® 10 currently shows 85 distinct indexed or fixed crediting choices across 96 displayed rate entries, including S&P 500 Index, with 64 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: 6.05% annual cap
  • S&P 500 Index: 5.55% annual cap
  • S&P 500 Index: 5.65% annual point-to-point cap
  • S&P 500 Index: 6.25% annual point-to-point cap

Income rider language

What to look for before treating the rider as income

Bonus Income+ Rider is the main income rider listed 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.

  • 5.35% withdrawal rate
  • 0% rider fee
  • 10 deferral years

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
  • 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-1169AO-AL.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

Free Comparison Report

Get a Peak® 10 rate report

See how Peak® 10 compares for your age, state, premium, and income goals alongside other Nationwide Life Insurance Company fixed indexed annuity options.

Get my rate report

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