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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Nationwide New Heights Select 10 with High Point Select EDBR with Bonus (Most States)

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Highlights

Nationwide New Heights Select is a single premium fixed indexed deferred annuity. New Heights Select offers a growth opportunity with strategy options that track the performance of an index and lock in earnings at the end of each strategy term. Strategy options also guarantee your contract value will never go down due to the negative performance of an index. 
Available in states: AL, AZ, AR, CO, DC, FL, GA, HI, IL, IN, KS, KY, LA, ME, MD, MA, MI, MT, NE, NM, NC, ND, SD, TN, VT, VA, WV, and WI
Type
Fixed Index
Purpose Accumulation & Legacy
Premium Bonus
3%
Term
10 Years
Surrender schedule
10%10%9%8%7%6%5%4%3%2%
Free withdrawal
1st year: 0%
2nd+ year: 7%
Market value adjustment
Return of premium
Launch date
03/08/2021
Minimum contribution
$25,000
Maximum contribution
$1,000,000
Max Age Qualified
75
Types of funds
Non-Qualified, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, Inherited IRA, and NQ Stretch
Brochure
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Find out if the Nationwide New Heights Select 10 with High Point Select EDBR with Bonus (Most States) is the right product for you.

Premium Notes

Balanced Allocation Strategy (BAS) options, also known as strategy options, are a blend of an index component, a declared rate component, and a strategy spread component that are combined to determine earnings. A contract may be allocated to a maximum of five strategy options at any time.

Withdrawal Provisions

Accessing your money
At any time you may have access to your money, subject to certain terms and conditions. After the first contract anniversary and through the end of the Surrender Charge period, you may withdraw up to 7% of your contract value each year as a free withdrawal without incurring a Surrender Charge (or MVA or recoupment of unvested bonus, if applicable) and receive full earnings-to-date on the amount withdrawn. After the Surrender Charge period, 10% of your contract value each year will receive full earnings-to-date if withdrawn. The amount of any Required Minimum Distribution (RMD) associated with your contract value will be treated as a free withdrawal.

Required Minimum Distribution (RMD)
Available free of Surrender Charges and MVA (if applicable).

Market Value Adjustment (MVA)
Applies during the Surrender Charge period to withdrawals in excess of the contract’s free withdrawal amount, and does not apply to long-term care event or terminal illness or injury withdrawals or if a death benefit is payable; not applicable in all states. Please refer to the back page for more information on MVA. 

Allocation Accounts

Name Type Rates
2-Year SG Macro Compass Balanced Allocation Participation Rate with Spread Option A
Balanced Allocation
Biennial
180% Participation
0.75% Spread
2-Year SG Macro Compass Balanced Allocation Participation Rate Option B
Balanced Allocation
Biennial
165% Participation
2-Year NYSE Zebra Edge II Balanced Allocation Participation Rate with Spread Option A
Balanced Allocation
Biennial
225% Participation
0.75% Spread
2-Year NYSE Zebra Edge II Balanced Allocation Participation Rate Option B
Balanced Allocation
Biennial
200% Participation
2-Year S&P 500 Balanced Allocation Participation Rate with Spread Option A
Balanced Allocation
Biennial
65% Participation
1.95% Spread
2-Year S&P 500 Balanced Allocation Participation Rate with Declared Rate Option B
Balanced Allocation
Biennial
0.25% Fixed
45% Participation
2-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate with Spread Option A
Balanced Allocation
Biennial
200% Participation
0.75% Spread
2-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate Option B
Balanced Allocation
Biennial
180% Participation
2-Year MSCI EAFE Balanced Allocation Participation Rate with Spread Option A
Balanced Allocation
Biennial
80% Participation
1.95% Spread
2-Year MSCI EAFE Balanced Allocation Participation Rate with Declared Rate Option B
Balanced Allocation
Biennial
0.5% Fixed
60% Participation
2-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate with Spread Option A
Balanced Allocation
Biennial
245% Participation
0.75% Spread
2-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate Option B
Balanced Allocation
Biennial
220% Participation
1-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate Option B (Limited States)
Balanced Allocation
Annual
155% Participation
1-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate with Spread Option A (Limited States)
Balanced Allocation
Annual
170% Participation
0.75% Spread
1-Year MSCI EAFE Balanced Allocation Participation Rate Option B (Limited States)
Balanced Allocation
Annual
0.5% Fixed
45% Participation
1-Year MSCI EAFE Balanced Allocation Participation Rate with Spread Option A (Limited States)
Balanced Allocation
Annual
60% Participation
1.95% Spread
1-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate Option B (Limited States)
Balanced Allocation
Annual
130% Participation
1-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate with Spread Option A (Limited States)
Balanced Allocation
Annual
145% Participation
0.75% Spread
1-Year S&P 500 Balanced Allocation Participation Rate Option B (Limited States)
Balanced Allocation
Annual
0.25% Fixed
35% Participation
1-Year S&P 500 Balanced Allocation Participation Rate with Spread Option A (Limited States)
Balanced Allocation
Annual
55% Participation
1.95% Spread
1-Year NYSE Zebra Edge II Balanced Allocation Participation Rate Option B (Limited States)
Balanced Allocation
Annual
150% Participation
1-Year NYSE Zebra Edge II Balanced Allocation Participation Rate with Spread Option A (Limited States)
Balanced Allocation
Annual
165% Participation
0.75% Spread
1-Year SG Macro Compass Balanced Allocation Participation Rate Option B (Limited States)
Balanced Allocation
Annual
120% Participation
1-Year SG Macro Compass Balanced Allocation Participation Rate with Spread Option A (Limited States)
Balanced Allocation
Annual
135% Participation
0.75% Spread

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 10% 9% 8% 7% 6% 5% 4% 3% 2%

Riders

Name Inbuilt Fee
High Point Enhanced Death Benefit Rider No 0.50% annually
Nationwide High Point 365 Select rider with Bonus No 1.10% annually
New Heights Select 10 High Point 365 No 0.95% annually
High Point Select Enhanced Death Benefit Rider with Bonus Yes 0.80% annually
Care Concierge Yes

Waivers

Confinement

After the first contract year, if the client has a qualifying long-term care event or terminal illness or injury, all withdrawals will be treated as free withdrawals and receive full earnings to-date.

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