Ratings:

A.M. Best A+
S&P A+
Moody's A1
Comdex 90

James Alden

Experienced Financial Advisor

25 years

experience

3,712

career consultations

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Nationwide New Heights Select 9 (Most States)

A subsidiary of Nationwide Mutual, Nationwide Life Insurance Company was founded in 1929. They have become experts in offering financial solutions by providing a diverse range of products, including life insurance, annuities, retirement plans, and mutual funds. This variety of offerings has enabled them to give customers flexibility in choice optimization to better secure their financial futures. For almost a century, the company has shown a dedication to innovative strategies and customer service, continuously developing new products and features to meet the ever-evolving needs of its clients. Interestingly enough, Nationwide Life has actually transitioned from being a small mutual auto insurance company in Ohio upon its inception into one of the most prevalent insurance and financial service providers in the US.

Nationwide New Heights Select 9 (Most States)

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Ratings:

A.M. Best A+
S&P A+
Moody's A1
Comdex 90

About Product

Type

Fixed Index

Purpose

Lifetime Income & Legacy

Term

9 Years

Surrender schedule

9%9%9%9%8%7%6%5%4%

Fee withdrawal:

Market Value Adjustment

Yes

Return Of Premium

Yes

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, Inherited IRA, and NQ Stretch

Launch Date

03/08/2021

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.

Please note if an independent agent wants to sell New Heights Select, they have to go through Annexus.

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

Allocation Accounts

Name	Type	Rates
3-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate with Spread Option A	Balanced Allocation Triennial	295% Participation 0.75% Spread
3-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate Option B	Balanced Allocation Triennial	260% Participation
3-Year SG Macro Compass Balanced Allocation Participation Rate with Spread Option A	Balanced Allocation Triennial	200% Participation 0.75% Spread
3-Year SG Macro Compass Balanced Allocation Participation Rate Option B	Balanced Allocation Triennial	180% Participation
3-Year NYSE Zebra Edge II Balanced Allocation Participation Rate with Spread Option A	Balanced Allocation Triennial	255% Participation 0.75% Spread
3-Year NYSE Zebra Edge II Balanced Allocation Participation Rate Option B	Balanced Allocation Triennial	225% Participation
3-Year S&P 500 Balanced Allocation Participation Rate with Spread Option A	Balanced Allocation Triennial	70% Participation 1.95% Spread
3-Year S&P 500 Balanced Allocation Participation Rate with Declared Rate Option B	Balanced Allocation Triennial	0.5% Fixed 45% Participation
3-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate with Spread Option A	Balanced Allocation Triennial	215% Participation 0.75% Spread
3-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate Option B	Balanced Allocation Triennial	190% Participation
3-Year MSCI EAFE Balanced Allocation Participation Rate with Spread Option A	Balanced Allocation Triennial	95% Participation 1.95% Spread
3-Year MSCI EAFE Balanced Allocation Participation Rate with Declared Rate Option B	Balanced Allocation Triennial	0.5% Fixed 65% Participation
1-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate Option B (Limited States)	Balanced Allocation Annual	145% Participation
1-Year SG Macro Compass Balanced Allocation Participation Rate with Spread Option A (Limited States)	Balanced Allocation Annual	125% Participation 0.75% Spread
1-Year SG Macro Compass Balanced Allocation Participation Rate Option B (Limited States)	Balanced Allocation Annual	110% Participation
1-Year NYSE Zebra Edge II Balanced Allocation Participation Rate with Spread Option A (Limited States)	Balanced Allocation Annual	150% Participation 0.75% Spread
1-Year NYSE Zebra Edge II Balanced Allocation Participation Rate Option B (Limited States)	Balanced Allocation Annual	135% Participation
1-Year S&P 500 Balanced Allocation Participation Rate with Spread Option A (Limited States)	Balanced Allocation Annual	50% Participation 1.95% Spread
1-Year S&P 500 Balanced Allocation Participation Rate Option B (Limited States)	Balanced Allocation Annual	0.5% Fixed 30% Participation
1-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate with Spread Option A (Limited States)	Balanced Allocation Annual	135% Participation 0.75% Spread
1-Year J.P. Morgan Mozaic II Balanced Allocation Participation Rate Option B (Limited States)	Balanced Allocation Annual	120% 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 MSCI EAFE Balanced Allocation Participation Rate Option B (Limited States)	Balanced Allocation Annual	0.5% Fixed 40% Participation
1-Year Goldman Sachs New Horizons Balanced Allocation Participation Rate with Spread Option A (Limited States)	Balanced Allocation Annual	155% Participation 0.75% Spread

Surrender schedule

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

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 9 High Point 365	No	0.95% annually

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.

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.