Build a retirement savings plan with growth potential

¹ Fixed indexed annuities are not investments that participate in the stock market. New Heights Select does not participate or invest directly in any index. Indices are unmanaged.

² International investing could involve risks such as currency, economic, geographical, political and differences in accounting standards.

³ Index allocations, declared rate allocations, declared rates and strategy spreads are guaranteed for the first strategy term and subject to change at the beginning of each new strategy term.

⁴ For more information on how earnings are calculated and credited, please see the Certificate of Disclosure.

⁵ Full earnings to-date are credited on the free withdrawal amount; pro-rata earnings are credited on withdrawals above the amount.

⁶ This hypothetical example is not based on any New Heights Select product or index. It is intended for educational purposes only. Your experience will differ. It does not reflect optional rider charges or withdrawals.

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional.

Nationwide New Heights Select is a single premium, fixed indexed deferred annuity issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

Fixed annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Please read the contract for complete details.

Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty.

New Heights Select does not directly participate in the stock market or any index. It is not possible to invest in an index. Neither Nationwide nor any of its affiliates are related to or affiliated with Goldman Sachs, Citi, American Funds®, Loomis Sayles, Standard & Poor’s, Nasdaq or Société Générale.

The Index Strategies linked to The Growth Fund of America^® from American Funds^® are not market indexes. They are based on a retail mutual fund whose investment returns are used to determine the performance of the associated Index Strategies. You will not become a shareholder of the mutual fund by investing in the Index Strategies, nor will you have any voting, dividend, liquidation, or any other rights typically afforded to the mutual fund’s shareholders. American Funds’ The Growth Fund of America and its trademarks and data have been licensed for use by Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc. (“Capital Group”) or an affiliated company or fund. All other company and product names mentioned are the property of their respective companies. This Product is not sponsored, endorsed, recommended, offered, sold, issued or promoted by Capital Group or any of its affiliates, or any of their respective third-party licensors. Capital Group has no obligation or liability in connection with the administration or marketing of this Product. Capital Group makes no representation or warranty, express or implied, to the owners of this Product or any member of the public regarding the suitability or advisability of investing in this Product or any Index Strategy. Capital Group has not prepared any part of this document and no statements made herein should be attributed to Capital Group.

The Goldman Sachs New Horizons Index (the “Index”), and related trademarks and service marks are the exclusive property of Goldman Sachs and such Index is licensed to Nationwide Life and Annuity Insurance Company for use in a Fixed Index Annuity (the “Product”). This Product is not sponsored, endorsed, recommended, promoted or sold by Goldman Sachs or by any third party provider of market data. Goldman Sachs and its affiliates, and any third party data provider disclaim to the full extent legally permitted all representations, third-party-beneficiary obligations, and warranties, including concerning warranty, advisability, suitability, and data and methodology accuracy and errors. Neither the Index nor any of the assets comprising it are guaranteed to yield specific results. There are no third-party beneficiaries of any agreements between third party providers and Goldman Sachs. Visit https://www.goldmansachsindices.com/products/GSNHRZON for complete disclosure.

The GS American Funds^® GFA 15% Index (the “Index”) is a product name that combines trademarks owned by Goldman Sachs & Co. LLC (“Goldman Sachs”) and Capital Client Group, Inc. and The Growth Fund of America (collectively, “Capital Group”), each of which retains sole ownership of its respective trademarks. The Capital Group marks are used by Goldman Sachs under license and are sublicensed by Goldman Sachs to Nationwide Life and Annuity Insurance Company (“Nationwide”) solely for use in connection with Nationwide’s fixed indexed annuity and indexed universal life insurance products that reference or are linked to the Index (the “Permitted Products’’). The Permitted Products are not sponsored, endorsed, recommended, promoted or sold by Capital Group, Goldman Sachs or by any third party provider of market data.

Capital Group, Goldman Sachs, and their respective affiliates, and any third party data provider disclaim to the full extent legally permitted all representations, third-party-beneficiary obligations, and warranties, including concerning warranty, advisability, suitability, and data and methodology accuracy and errors. Neither the Index nor any of the assets comprising it are guaranteed to yield specific results. There are no third-party beneficiaries of any agreements between third party data providers and Goldman Sachs. Visit https://www.goldmansachsindices.com/products/GSGFA15 for complete disclosure.

Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world. Loomis Sayles is a trademark of Loomis, Sayles & Company, L.P. (“Loomis Sayles”) registered with the U.S. Patent and Trademark Office. The trademarks Citi and Loomis Sayles are being utilized under license and agreement. Nationwide New Heights^® Select (the “Financial Product”) is not sponsored, endorsed, sold or promoted by Citigroup or Loomis Sayles, and neither Citigroup nor Loomis Sayles makes any representation regarding the advisability of investing in such Financial Product. Neither Citigroup nor Loomis Sayles gives any express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use. In no event shall Citigroup or Loomis Sayles be liable for any direct, indirect, special or consequential damages in connection with any use of the Citigroup or Loomis Sayles data and information.

Nasdaq^®, Nasdaq-100 Volatility Control 10% P.R.^TM, Nasdaq-100^®, and NDXV10P are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Nationwide Life and Annuity Insurance Company and Nationwide Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

The “S&P 500^®” and the “S&P Distance Stabilizer TCA Index” are Products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Nationwide Life and Annuity Insurance Company (“Nationwide”). S&P^®, S&P 500^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Nationwide. Nationwide New Heights^® Select is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such Product(s) nor do they have any liability for any errors, omissions, or interruptions of the Products.

The SG Macro Compass Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (“SG”) and has been licensed to Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company (collectively, “Nationwide”) for use in certain life insurance and annuities offered by Nationwide (the “Products”). With respect to the Products, SG’s sole contractual relationship with Nationwide is to license the Index and the SG Marks to Nationwide. None of SG, S&P Opco, LLC, or other third party licensor (collectively, the “Index Parties”) to SG is an agent of Nationwide or has in any way sponsored, promoted, offered, sold structured or priced any Product, and no Index Party makes any representation as to the advisability of purchasing, selling or holding any Product. No Index Party shall have any liability with respect to the Products or for any losses relating to the Products, whether arising directly or indirectly from the use of the Index. No Index Party shall have any obligation to make payments under the Products. In calculating the performance of the Index, SG deducts transaction and replication costs, each calculated and deducted on a daily basis, which will reduce the potential positive change in the Index and increase the potential negative change in the Index. The total amount of transaction and replication costs is not predictable and will depend on a number of factors. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Société Générale Indices”, “SGI”, and “SG Macro Compass Index” are trademarks or service marks of SG. Additional information is available at sg-macro.compass.com.

The Goldman Sachs New Horizons Index, GS American Funds® GFA 15% Index, Loomis Sayles Discovery Index, SG Macro Compass Index and S&P 500 Distance Stabilizer TCA Index are excess return indexes. Indexes calculated on an excess return basis include calculation elements that reduce index performance. Because of this, an excess return version of an index will have lower performance than a total return version of the same index would, especially in high interest rate environments. Some excess return indexes also deduct a notional charge(s) in calculating index performance. This deduction(s) will reduce the potential positive change in index performance and increase the potential negative change in the index performance.

Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide New Heights and New Heights are service marks of Nationwide Mutual Insurance Company.
© 2026 Nationwide

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